davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

I HAVE INQUIRIES ON MY REPORT THAT I DID NOT AUTHORIZED. I HAVE ATTACHED ONE EMAIL AND 1 TEXT TREAD PROVING I DID NOT AUTHORIZED ALL THESE COMPANIES TO RECEIVE MY CREDIT REPROT. TOLD ONE COMPANY ON USE XXXX XXXX. DID N'T EVEN AUTHORIZE OTHER COMPANY TO PULL REPORT AT ALL. 

Creditor Name Inquiry Date Removed By* Type 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 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 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 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NJ)

Navient is the owner of the student loans I have, XXXX. I pay some and others are in forbearance. They still report negatively to my credit report monthly and its the only thing KILLING MY Score and all accounts are in good standing!

For the last year and 1/2. Please help us make this stop!!

Its bad enough interest is through the roof.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (CA)

Barclays B ank made an error in paying  XXXX   XXXX . They paid it twice.  XXXX   XXXX  receiv ed two  times what they were supposed to be paid.   I wan t Barclay ' s Bank to take back the {$3600. 00} ( ex cess money ) from  XXXX   XXXX  and return it to my account.    XXXX   XXXX  is willing to return the money but  Barclay 's Ba nk is blocking the transactio n. Insteal,    XXXX   XXXX  has sent me a check for the amount of {$3600.00 } ( amoun t owed. ) I do not want  XXXX   XXXX  to make a reimbursement by sending a check directly to me.   A check from  XXXX   XXXX  deposited into the bank creates the appearance of extra income.  <P/> I want t the excess mo ney ( {$3600.00} ) wired directly to Barclays Ban k, the same way that it was originally sent to  XXXX   XXXX .   Whenever I called they assure me that my case we nt to the executive  office and my problem is fixed. That it will take time to update it. But it has not been updated. I still owe more tha n the 6,000.00 (  special checks w ith the 0 per  cent interest until next year in  XXXX    XXXX   ). my loan amount limit from  Barclay is  {$6000.00}. Presently since yesterday  XXXX  I owe the ba  nk Barclay close to {$10000.00}.
<P/>  We have spoke  in a three way telephone conversation and they told me that it is not possible to fix the amount in question and it was not going to be returned to Barclays Credit Company. Barclay does not allow that payment back.
Consumer complaint received 2017-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (FL)

We have been receiving multiple calls daily in regards to a collection. The collection amount is incorrect and we have formally in writing disputed the charges. We have also in writing asked the debt collector to no longer call us. They have continued to call both myself and my wife in addition to non involved family members. Additionally they have verbally threatened and harassed my wife in regards to the debt.
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TX)

I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.
Consumer complaint received 2017-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TN)

I have submitted XXXX separate requests for loan consolidation and an income driven payment plan. The 1st request was submitted XXXX/XXXX/16 with all required documentation. Navient said the application 'timed out '. The second request was submitted XXXX/XXXX/16 with all required documentation and I can not even get a response as to whether the application was received or its status. Since the 1st application submission XXXX/XXXX/16 Navient has added {$13000.00} in interest and fees to my account. I have attempted multiple times to get someone on the phone without response.
Consumer complaint received 2017-06-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (CA)

Attempted to make an online payment to our mortgage compan y Loancare. No error message ever received to show payment did not go through. Assumed payment went through as it has every other month we have paid online. Went to make next months payment it shows we are 30 days late. I called and Loancare said yes we can see you did log on and attempted to make a payment but it did not go through but sorry we ca n't help you.I had to make a payment over the phone for both months because again the website would not work. They said they could not talk to me about it and to email a dispute which I immediately did. Loancare then reported a 30 day late to our credit. We have sold our house, my elderly parents are moving in with us because they are sick and currently live far away. Loancare said they ca n't talk to us over the phone, it will take 60 days to review the dispute and sorry we ca n't help you. We are not unable to purchase the home we are supposed to close on in 2 weeks.  They wo n't look at a dispute or talk to us for 60 days but already posted to our credit.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I wrote to the company 3 times ( 2 times by email (XX/XX/XXXX & XX/XX/XXXX ), they responded that they ca n't discuss via email ) So I sent an actual letter by mail on XX/XX/XXXX regarding a derogatory/collections item that I discovered on my credit report. <P/>This refers to my XXXX account # XXXX, loan date XX/XX/XXXX, 23 month term, that I believed, and also had received email confirmation that this was paid off on XX/XX/XXXX. <P/>My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for XXXX off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report. <P/>This loan was paid off as ofXX/XX/XXXX which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be until XXXX or XX/XX/XXXX. I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history. <P/>After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (ME)

In  XXXX  of   XXXX  , I called and spoke with a citi rep about paying off a promotional balance on m y Home Depot char ge card. I paid what he told me I needed to and he assured me that my promotional balance was now paid in full.     When I called later on  XXXX / XXXX /  XXXX   to verify that the payment had been applied correctly to the promotional balance, I was informed that it had not been. The rep assured me that he would fix the problem ; not to worry.     When I received my statement on  XXXX / XXXX /  XXXX  , I found that citi had not fixed the original problem and charged me an additional {$440.00} in interest and purchases. However, I did not make any purchases.     I then called citi for the third time to try to resolve the issue. As of this writing the issue is still not resolved.     The most infuriating part of this is that there is an obvious pattern of deception and aggressive tactics to create mistakes and problems that lead to increased fraudulent gain for citi.     These have been gross, obvious mistakes ; call after call. It has actually gotten worse with each successive call.
Consumer complaint received 2022-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

This is a Public Service Loan Forgiveness ( PSLF ) issue. 

I filed my first and only ECF in XX/XX/XXXX. Since I've entered repayment, I have always been on an income-driven repayment plan. The repayment plans have always been on IBR, ICR, or REPAYE. With the exception of transitioning to what was then the new REPAYE plan, I have never been in any forbearance or deferment. However, FedLoan provides 16 ineligible PSLF payments with the indicator " You Do Not Have A Bill Due For This Payment Period ''. My loans were with then XXXX  ( no longer a servicer with XXXX ). These were definitely qualifying payments. 

My Direct Loan servicers were as follows : XXXX : XX/XX/XXXX through XX/XX/XXXX XXXX : XX/XX/XXXX through XX/XX/XXXX FedLoan/PHEAA : XX/XX/XXXX through present FedLoan is missing so many months between XX/XX/XXXX through XX/XX/XXXX but has some records of my payment. That is incredibly strange that they retained and are only able to reconstruct part of my payment history with XXXX but not for other months. I need a full history in order for my PSLF to be processed. 

This effectively leaves me going well beyond the 10 years of service and payments, something that is contrary to the PSLF statute.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC (IL)

I wrote to the company 3 times ( 2 times by email (  XX/XX/XXXX  & XX/XX/XXXX  ), they responded that they ca n't discuss via email ) So I sent an actual letter by mail on  XX/XX/XXXX  regarding a derogatory/collections item that I discovered on my credit report.
<P/>
This refers to my Rise account #  XXXX , loan date  XX/XX/XXXX  23 month term, that I believed, and also had received email confirmation that this was paid off on  XX/XX/XXXX .
<P/>
My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for Rise off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report.
<P/>
This loan was paid off as of  XX/XX/XXXX which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be until  XXXX  or  XX/XX/XXXX . I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history.
<P/>
After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.
Consumer complaint received 2022-01-04
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 — Investigation took more than 30 days
Company: Nelnet, Inc. (MD)

I am XXXX that you have included DEPTEDNELNET information in my credit profile on XX/XX/2013 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

I demand that the following account be verified or removed immediately : Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Thank you,
Consumer complaint received 2022-08-04
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. (CO)

I called Equifax on XX/XX/2022 to get XXXX accounts removed ( one alleging {$8000.00} and another {$9800.00} ) from my consumer file that I did not authorize to be on there. Equifax assumed this role of assembling credit worthiness and were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did Equifax fail in the initial investigation of this information. Equifax also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. Equifax did not insure that this information is accurate, and did not exercise their grave responsibility with fairness and impartiality. Equifax never consulted with me to find out if this transaction even took place. As a result of this, my privacy was breached, and this violated my right to privacy.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (AZ)

XX/XX/XXXX .16 - VW reported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with VW Group of America.
<P/>
 XX/XX/XXXX .16   XXXX    reports FICO score dropped  XXXX  points same day as VW 30 day late report hit the bureau.
<P/>
 XX/XX/XXXX .16  XXXX  Credit Limit decrease ( never been late or slow on any payments and paid more than minimum amount )  XX/XX/XXXX .16   XXXX   XXXX   XXXX   XXXX   Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount )  XX/XX/XXXX 16  XXXX  Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have.
<P/>
Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof.
<P/>
Please help me. I do n't have money to go and hire a credit lawyer or anything like that.
<P/>
I have statements from VW showing that my account is in good standing and that it is paid off but they will not update my report.
<P/>
How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (PA)

In light of the recent investigations that have been brought up against Equifax, I have found the my credit profile is being irresponsibly tampered with. Over the past two years, I've made several attempts to remind you of the obligation pursuant to 15 USC 1681. It seems as if you are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681E ( b ) assures that I am due, promised accuracy in my report based on federal law. I am sending this complaint as another attempt to have these errors corrected. 15 USC 1681 ( A.5 ) says that after the reinvestigations all of the unverified information must promptly be removed. As you should see in records, these accounts were disputed without being properly investigated thus I know that they can not be verified or validated. 
The accounts that I am referring to are listed below. 

XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-04
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. (FL)

In accordance with the Fair Credit Reporting act USBK XXXX XXXXXXXX XXXX XXXXXXXX, has 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 2017-06-09
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. (NC)

I have  a Visa cr edit card with  XXXX   XXXX  that I opened about a year ago. It is a secured card and my initial credit limit was {$300.00} which I sent to  XXXX    XXXX   in the mail. I wired {$700.00} in additional funds in  XXXX   2017  to increase the credit limit on the secured card to {$1000.00}.   XXXX   and Equifax have not reflected the correct credit limit ever since it was increased in  XXXX   2017 . I have opened multiple disputes to no avail. I was told by Equifax and   XXXX   that I needed to contact  XXXX   XXXX . I have called  XXXX    XXXX   three times in the past 3 months and they keep telling me that they are reporting it correctly and it is the credit bureaus error. Neither the credit bureaus nor  XXXX   XXXX  want to take any ownership to correct the issue. I am working diligently to improve my credit which is the main reason for increasing my credit limit on this secured card.
Consumer complaint received 2017-06-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (OR)

I purchased a convenience store on   XXXX   XXXX   XXXX    . Part of the purchase process is to apply to  XXXX  to accept  EBT cards ( food stamps ). I   h ad submitted the application to   XXXX   in  XXXX  and provided all the requested documents in  XXXX . A fradulent company called "   XXXX   XXXX   XXXX   XXXX   '' called my store in  XXXX . This company was impersonating to be from the government and asked for a {$320.00} fee for finalizing the food stamp application. The manager at my business fell for this scam and gave my bank account number and routing number to this company. Later I found out that this is a scam and this is a private company from   XXXX   XXXX  , California. This company withdrew money out of my bank account under the title "  Federal Compliance  ''. I immediately contacted  US Bank wh en this withdrawal was pending.  US bank r efused to stop this withdrawal and were not even able to tell me what company was this charge from. I have now contacted this company about  hundred times but t hey refuse to refund my money. I have also filed complaints with various government agencies. My complaint is aga inst US bank. They  refuse to do nothing despite the fact that I told them the whole situation. They were unable or unwilling to tell me what company was this charge from. Small business owners lile me work countless hours to earn a living and paid thousands of dollars in fees to banks li ke US bank. However it appears that US bank is aiding and abetting criminals like this fradulent   company and do everything to conceal the criminal 's identity.