davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CA)

Regarding my fico score.. For the last several months my fico score was XXXX with XXXX late payments reported on my credit bureau report. I disputed all XXXX lates because they were a result of bank error. Recently one of my creditors reversed the late payment reported to the credit bureau file and i now only have XXXX negative trade lines reported to my credit bureau file and as a result my fico score went down to XXXX. So to recap..my fico score was XXXX with XXXX lates reported and experian credit bureau dropped my score to XXXX with XXXX lates reported. So i called experian at XXXX on a authorized recorded phone line to find out why my score was lowered without any furthur negative trade line reported and the rep. Was not able to provide me with an answer at all instead reffered me to callXXXX for furthur assistance but the number is useless to me as it does not provide me with any assistance to my issue at hand. So now i dont know why my fico score was lowered and it deprives me of my rights to dispute the recent decrease of my score and without an explanation. I have a copy of the authorized phone call to experian but am unable to upload it here. Please contact me if you have any questions which i hope you will..its as if its backwards when a negative line gets reported the score lowers. But not when a negative line was removed and instead of XXXX negative lines you now have XXXX and it lowers your score. How does that reflect my financial character and history? Please help..it has placed my plans of applying for a business loan to better my families future on serious hold and i feel like there is nothing i can do.
Consumer complaint received 2017-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: United Student Aid (USA) Funds (GA)

I had 1 loan with XXXX/USAFunds/XXXX for {$15000.00}. It was in deferment for 10 yrs while I was taking classes and then in forbearance based on recommendations from XXXX. Due to a divorce my loan went into default for 3 years.
XXXX, a collection agency for XXXX, represented that they were collecting on all 4 of my defaulted loans. I paid the amount that was negotiated for my total student loan debt, but only the 1 loan I had with XXXX was paid. USAFunds/XXXX website shows I paid over {$20000.00} in interest and fees, when a letter from XXXX shows interest and fees around {$9000.00}. The XXXX/USAFunds website says I paid a total of {$59000.00} for a {$15000.00} loan.
After calling and discussing with USAFunds/XXXX they said that I negotiated that amount and would not refund any money. The collection agent for XXXX, XXXX, uses illegal tactics and fraudulently represented that they were collecting on all four of my loans.
Consumer complaint received 2015-11-25
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was applying for an auto loan between numerous banks. Capital One Auto Finance denied me because I did not meet the minimum age requirement. I received letters from XXXX financial institutions stating age was the only factor in denying me an auto loan. I have held on to these letters and I am submitting this request because I believe they wrongfully denied me credit. I am XXXX years old ( XX/XX/XXXX ), which is more than within the minimum age requirement according to the Equal Credit Opportunity Act. I have supporting documents and am more than willing to provide this information**The Equal Credit Opportunity Act states : Consider your age, unless : you 're too young to sign contracts, generally under XXXX ; you 're at least XXXX, and the creditor will favor you because of your age ; it 's used to determine the meaning of other factors important to creditworthiness. For example, a creditor could use your age to determine if your income might drop because you 're about to retire ; it 's used in a valid credit scoring system that favors applicants XXXX and older. A credit scoring system assigns points to answers you give on credit applications. For example, your length of employment might be scored differently depending on your age. 
**
Consumer complaint received 2015-06-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

XX/XX/XXXX I submitted XXXX quarterly estimated tax checks to the IRS. XX/XX/XXXX when I submitted my tax return I was told that they had not received the XX/XX/XXXX check. The check was submitted to my bank ( credit union ) and paid to an account at a Wells Fargo bank. The IRS did not receive the payment and the endorsement on the back of the check does not match their endorsement procedures.
Consumer complaint received 2021-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Original notification to Paypal on XX/XX/22, shopping for XXXX XXXX XXXX XXXX  with XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX. Online Franchise Store Popped up. As I was looking as system, screen flashed a couple of times and then stated purchase completed?? I did not authorize. Looked in email for verification and to date never received an email to the email XXXX from XXXX. Made several attempts to contacts and no response. Asked Paypal to refund as it was fraud. Verified same day with XXXX did not have a franchise by that name. XXXX received credit on accoutn and assummed handled. XXXX it was back on bill?? Since then over XXXX hours spent trying to get this cleared. Only until I sent formal complaint to now XXXX XXXX  XXXX owns Paypal Credit ) did they move all transaction from old account and opened a new account and is currently investigating. On numerous occassions requested from Paypal, Paypal credit a copy of tracking, phone # from said merchant - nothing ... .i could verify.I went on to Paypal community blog to find over XXXX complaints of the same nature. Some with same name some with different name but similar scenario. Paypal did nothing!!!
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX OH XXXX DOB XXXX SS XXXX I am not an attorney or a third party, I am filing a complaint on behave of myself. 
I have been traveling back and forth from California to Ohio for the past 3 years. I am however an Ohio resident. I am requesting a copy of my full XXXX XXXX, XXXX and XXXX credit reports. I am not sure how all this works but I would like a Security PIN from all 3 so I can protect the integrity of my credit profile.
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XXXX my house was up for Foreclosure, but an agreement was made with the lending institution to have the matter turned into a short sale instead. Also, before this arrangement was made, the company continually told me that they would do everything possible to help me keep the home. I was given a payment schedule of {$1200.00} a month, which I followed consistently. The agreement allowed me to stay in the home until a buyer was found by a real estate agent. They also gave me a check for {$3000.00} once the buyer had purchased the property and the house was emptied and cleaned. I abided by all the rules of the agreement and was eventually told that they were not able to help me save the home, but they would allow it to be a short sale. 
Now they have sent the credit bureau false and negative information about the matter. It is now listed as a foreclosure on my credit report. I sent documentation to the Trans Union showing that the house was a Short Sale. They in turn sent me a letter stating that the negative report would remain on my credit until XXXX XXXX. 
This information they are reporting in incorrect and should be removed immediately.
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

I had a mortgage loan with Ocwen that is still showing on my Credit reports 3 years after the Is till statue of limatation has passed I would like it to be removed it was 1st reported XXXX XXXX and the XXXX drop off date was XXXX XXXX NOTHING IN THE BOTTOM WAS RELATED TO SO I CHECKED MAKING PAYMENTS
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (LA)

I HAVE BEEN THE VICTIM OF ON GOING ID THEFT AND HAVE A FRAUD ACCOUNT THAT IS REPORTING ON MY EXPERIAN CREDIT FILE. I HAVE DISPUTED IT ONCE AND IT WAS RESLOVED BUT NOW IT IS REPORTING AGAIN AND EXPERIAN WILL NOT BLOCK THIS.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was unaware of the tax lien as I lost my job and switched apartments to save money. I found out about the lien AFTER I started working in XXXX XXXX XXXX XXXX at which time they lien/garnished me in a coercive approach that gave me no options in XX/XX/XXXX. I saw that it was removed in my XXXX account, then I saw it re-appear with XX/XX/XXXX at a date instead of XX/XX/XXXX. Should n't this be off my record by now? Not only did the government get its money back but it contributed to my becoming unemployed. Please help. 
I thought these items were removed if not close to their expiration date on my credit report and now they seem to be re-animated " zombie '' debt. 
Please help me fight this or explain what I am doing wrong. 
Thank you!
Consumer complaint received 2024-01-26
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. (NC)

I Have 4 Inaccurate Late Payments On My XXXX Credit Building App I Made These Payments & It Was Rejected By Software Malfunction. I Ask That You Please Delete Those 4 Inaccurate Late Payments Off My Credit Report Please By Law. 

( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Those 4 Inaccurate Payments Are Stopping Me From Buying A Home. Can You Please Remove Those 4 Inaccurate Payments Asap. 
Thank you & XXXX XXXX.
Consumer complaint received 2019-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm filing another formal complaint in regards to a late payment negative account on my credit report for a vehicle loan payment opened in XXXX of XXXX, for {$25000.00}. I submitted a dispute with the company on XX/XX/XXXX. The entity never reported on my behalf to the credit bureaus to add a sentence saying " I disputed the negative item in question. '' I gave a 30-day window, and now its been almost 2 years. I believe this is a violation of the FDCPA section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ). I've tried reaching the company by phone and mail. On multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These payments were not late and must have been an error. The company is also reporting on an old address. I have recently sent letters to remove this address from my entire credit report.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi there, I was previously notified by XXXX that a XXXX credit card was opened under my name. I called XXXX XXXX and they said they opened an investigation to look into this and would handle figuring out what happened. Can you please check with them as the account is already reported as closed and I 'd like to remove the hard inquiry from my report. 

Thank you.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have previously disputed inaccuracies on my bankruptcy # XXXX XXXX such as balances, Trans Union LLC always comes back verified with no proof just name and address of court house. According to the provisions of the Fair Credit Reporting Act 609 ( a ) ( 1 ), ( 2 ). Proof should be verified physically and not through a 3rd party.
Consumer complaint received 2017-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (AR)

I filed XXXX claims through CFPB last week - # XXXX & XXXX regarding XXXX and XXXX ( company XXXX. Selected to collect the " early termInation of account penalty ''. After I filed XXXX responded in yor case file records and stated they no longer are involved .. XXXX selected another company-Credit Management L P of XXXX , TX . I had previously sent letters to XXXX explaining why I did not owe XXXX for the penalty they submitted only final bill. I paid my bill in full ; I did no pay for the penalty they assessed. I have denied owing the penalty. 
XXXX claims I owe charges {$130.00} for a new service connection while I was contesting the penalty. I was lied to by XXXX representatives when I re-connected my service when they specifically told me my my new account would not be linked to or affected by the penalty. My service was disconnected 5 days after my XX/XX/XXXX re-connection. I received a bill for penalty and new services. I returned all equipment immediately only to have XXXX bill me {$130.00}. An amount I do not owe because of false representations made to entice me to re-connect my service.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

CFPB + Equifax, There are wrong names and/or variations on my credit report- please have that corrected as soon as possible. 

attached to this complaint is : - my drivers license - my social security card - my address- my written complaint - screen shot of location on my credit report Please have these corrected asap, thank you.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANNER CORPORATION (WA)

Made 2 payments one in XXXX and one in XXXX totaling XXXX on my credit card online. Neither payment was credited to the card. XX/XX/XXXX the bank emptied our savings attached to securing the credit card and closed the card. Its been hard enough with the pandemic because banks are closed. Plus we have been hacked 6 times in 6 months so accounts have changed. When they closed the credit card account I had nearly XXXX points on my rewards. Im now told if its a closed account your rewards cant be used. This is not my fault! I want my points. They have a security issue because our accounts have been hacked 8 times in 6 months. I dont know how or why my payments werent credited but I want my points!
Consumer complaint received 2019-02-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION (MD)

NAVY FEDERAL WOULD REPEATED CALL ME AND CALL ME MAM NUMEROUS TIMES. THEY WOULD FREEZE MY ACCOUNT. THEY ARE XXXX, XXXX, AND XXXX. I CAN NO LONGER CALL THEM TO RESOLVE PROBLEMS. THEY CALLEDTHE POLICE ON ME NUMEROUS TIMES. THEY FROZE MY ACCOUNTS WHILE I WAS IN XXXX AND XXXX.I HAD NO ACCESS TO FUNDS.
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CITIBANK, N.A. (FL)

I have had a XXXX ( mental health and physical health ) starting in XXXX. In XXXX XXXX of my Doctors ( XXXX XXXX XXXX XXXX stated that I was likely fully XXXX. In XXXX XXXX I was ruled by an administrative judge to be 100 % XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX XXXX Florida ( XXXX XXXX, XXXX. XXXX contacted these all of the federal student loan agencies but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease in XXXX as these directly impact credit scoring.
Consumer complaint received 2021-11-05
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: AFNI INC. (MA)

On XX/XX/2021 Afni Collections reported to XXXX that I had a XXXX  account in collections in the amount of {$2100.00}. This was a fraudulent account and has already been removed and blocked by XXXX. On XX/XX/2021, I contacted XXXX and informed them that this fraudulent account was already removed and should not be on my credit report. I also contacted Afni and they told me it was a civil matter and there was nothing they could do. I have contacted XXXX multiple times and pleaded with them to remove this info and they say it is active. They have not provided me with an answer as to why they would put this back on my credit report. XXXX is not helping me
Consumer complaint received 2016-06-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Merchants and Professional Bureau, Inc. (TX)

I was never informed that negotiation was an option. I tried contacting them at least 8 times over a 2 month period and was never able to reach anyone ; when I left messages, no one contacted me back. I only received a first notice, then another bill labeled first notice, but never a final notice. Then suddenly I was being reported to collections. The collections letter mentioned nothing about a " grace period '' before it was reported to my credit report, but on the phone, after informing the operator I can only afford to pay $ XXXX/month, at the very end of the conversation she informs me that I have until the XXXX of this month ( about 3 weeks ) to pay the full amount or else it goes on my credit report. Even if I am actively paying toward my balance, it will still be on my report. Nowhere in writing was this grace period stated. The communication has been evasive, misleading, and omitted details, and the operators were not only rude but also evasive and did not properly disclose the information until I dragged it out of her by asking repeatedly if there is anything else I need to know. If I had n't asked her that repeatedly, there is no way whatsoever that I would have known I could negotiate, that there was a mysterious " grace period '' that I had to pay off the full amount ( less than 1 month is not remotely enough time to be called a " grace period '' ), or that I will still be reported to collections even though I am actively paying off my debt.
Consumer complaint received 2016-08-17
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Premier Portfolio Group (ME)

Premier Portfolio Group has left several voice mails indictating that they have mailed documents to me ( nothing has ever been received ) and that I have a " pending complaint '' in their office. They have stated on my voice mail that they will garnish my wages if I do not call them back to make arrangements. At other times, they have stated that they have a bad check I attempted to pass along with my name, social security number, and routing number. I believe this is in reference to a payday loan that I paid back in full and then closed the checking account directly after the final payment as the collection practices of the original company were illegal.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have been having a hard time extending new credit for myself. I recently reviewed my credit report and noticed there are several inaccurate items on my report. I understand that the information reported on my credit report must follow an industry standard format called Metro 2 and my information must be reported with maximum possible accuracy. However upon review of my credit report I have found out that the following accounts are reporting inaccurately and they are not metro 2 compliant. I have sent multiple letters to the credit bureaus but they continue to fail me in correcting the information. 

This account is reporting inaccurately and it is not metro 2 compliant. 
NAME OF ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX This account is reporting inaccurately and it is not metro 2 compliant. 
NAME OF ACCOUNT : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX This account is reporting inaccurately and it is not metro 2 compliant. 
NAME OF ACCOUNT : XXXX XXXX ACCOUNT NUMBER : XXXX In accordance with tine Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$1000.00}.