davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MI)

I have disputed these XXXX XXXX it has XXXX accounts listed when there was only XXXX account to start with that was actually from fraud. the account report wrong dates, payments, terms, amounts, and balances. I did not know how to approach the situation about the fraud and was sued i found out when i was in the process of buying the house so i ended up paying the judgment and i am still trying to refinance because the credit bureaus refuse to correct this information it is causing me great financial harm the judged learned what happened he removed the judgement. Upon speaking to XXXX they stated that they are not verifying this information with the credit bureau. The credit bureau will not remove this information. I am including the offical stamped letter from the judge stating that the debt that i have with XXXX is satisfied.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WA)

I have paid this account in full which also included applicable interest before XXXX XXXX, 2015. I have asked XXXX data regularly about giving thecredit agencies an updated status. They keep saying they are doingit but nothing has been done and it is XXXX now. Please remove thisfrom my credit report. 
XXXX Account # : XXXXThank You. 
XXXX
Consumer complaint received 2016-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

This company XXXX XXXX filed a debt on my credit report after I disputed debt with them. They have even sent me letter showing proof I am disputing because they have requested more info. 
Also they have now sent me a letter offering me to pay half the debt, which makes no sense. It is not mines and should never have been put on my credit report. 
Under the law I have a right to dispute a debt.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX filed a judgment against me for an unpaid loan ; however, I was not aware of this because the information was sent to an old address that they had when I entered in the loan agreement. I did not know about the judgment until I pulled a copy of my credit report in XX/XX/XXXX. The first judgment was filed in XXXX XXXX but it was closed. Then they refiled in XXXX XXXX and because I was n't aware of the judgment, I did not appear in court so a default judgment was awarded in XXXX XXXX. The credit bureau originally showed XXXX XXXX on my credit report as the filing date back in XX/XX/XXXX ; however, they have since reported the filing date of XXXX XXXX even though that is not the correct filing date. It is my understanding that a judgment is only permitted to appear on my credit report 7 years from the filing date not the award date. Therefore, this judgment should be removed immediately. I do not have a copy of the original court paperwork because I never received it but I have sent the attached document that was obtained on the court website to all XXXX credit bureaus but XXXX & Experian will not remove the item or update it & the filing date remains XXXX XXXX. They advised me that they verified this information and the information they are reporting is correct. Thank you.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MN)

I disputed various accounts that Experian has been reporting incorrectly. I received an email on XXXX/XXXX/16 that my results of the processing of my dispute were available online. I logged in to see the results and despite their legal obligation to correct or delete inaccurate, incomplete or unverifiable information they failed to do so. Instead of reporting complete, accurate or verifiable information they instead removed positive payment history, changed the date of the inaccurate delinquency and closed my dispute regarding the XXXX XXXX accounts. Now they are not only reporting inaccurate delinquencies on those XXXX accounts but they are reporting incomplete information because they have removed 2 years worth of positive payment history on this account. They have also added the following to each account : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher. This is in fact not my statement and I do not want it on either of these accounts because it is being portrayed as my statement which is both misleading and outright false. I have had to dispute numerous accounts on my Experian credit file and despite their claim to have verified the information they continue to not only report inaccurate and incomplete information but information that they could n't possibly be verifying with the creditor because the verification does n't exist.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (MA)

On  XX/XX/XXXX , I received interest deferred promotion for 18 months from Barclaycard  XXXX   XXXX  for purchasing an  XXXX  laptop for {$1300.00}. The practice of the company is to apply any payment over the minimum amount to the highest charged interest balances unti l 2 b illing cycles before the expiration of the deferred promotion, effectively preventing the consumer from paying a reasonable portion each month to pay down the balance. I received a letter from Barclays reminding me that my deferred interest was expiring and the balance that would be subject to interest was {$1300.00}, although my remaining deferred balance was {$1300.00}. After I received that letter, I made two payments equally {$820.00}, one dated  XX/XX/XXXX  for {$550.00} and one dated  XX/XX/XXXX  for {$270.00}. My plan was to pay {$270.00} on  XX/XX/XXXX  and the remaining balance ( approximately {$270.00}  ) b efore  XX/XX/XXXX . On  XX/XX/XXXX  I reviewed my most recent statement online and discovered that neither payment had been applied to the expiring deferred balance. I immediately called and spoke first with an agent and then to her manager,  XXXX . The agent told me I should have made the payments 2 days later and they would have counted towards my balance, however, now that the payments were made there was no way for them to put them towards by deferred balance.  XXXX  was apologetic but adamant that because the payments had posted there was no way to apply them to my deferred balance. In no correspondence did Barclaycard state that payments needed to be made after  XX/XX/XXXX , the letter simply said that payments needed to be made in order to avoid the application of finance charges dating back to the original purchase date. After much back and forth, she said she could try to push off the huge interest charge for a mo nth ( {$380.00} ) but that I  still needed to pay {$1300.00} " as quickly as possible '' which I guess meant before the next billing statement  XXXX .
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Equifax is reporting inaccurate and incorrect info on my consumer report. I tried remedying this information for more than 6 Months. this is really been a problem for me. This inaccurate info has made my life a living XXXX!
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NC)

Since XX/XX/XXXX we have been trying to correct an error in our credit history in reported by the credit bureau. The error continues to this date. In response to our claim the bank send us a letter indicating that error was corrected in their system and that credit bureau was notified ( See Exhibit XXXX ). After several a couple of months of monitoring our credit report we contacted the bank to inform them that correction has not been made. The bank indicated that they did what they were required to do and that the problem is with the credit bureau which has not made the correction. They suggested that we contact the credit bureau and ask for a correction. We contacted the credit bureau but never received a response. 
Attached is evidence that that payment was made and debited our account at XXXX XXXX XXXX on XXXX XXXX, XXXX. 
We appreciate your help in getting the credit bureau to correct the record. We would appreciate a notification of the correction made.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NY)

XXXX BANK charged off Account Number : XXXX ... in XXXX, but the Experian is reporting this as charged off in XXXX which is incorrect. I have contacted Experian several times to correct their error, but they refuse to correct the mistake. I
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1968 Credit Reporting Letter 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 you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 

XXXX Bank XXXX Unverified Account XXXX XXXX Unverified Account Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I have numerously disputed this XXXX account. It was originally purchased by another collection agency and I wrote that agency telling them to provide me with a signed contract that I purchased this acct and because they were not able to validate or verify this acct it was ultimately removed and deleted from my acct. Now I see that another agency has taken over this debt and are reporting to the bureaus. I Ask again please provide a signed contract with my name or remove from my credit.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (IL)

Creditors reporting false information to credit bureaus. 

1.The following accounts report false information to all three credit bureaus. 
XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain, it has three different last activity dates. Take a look at year XXXX they reported to XXXX the account as paid on time from months XXXX, but they reported it as c/o with XXXX. In year XXXX it was reported paid on time in XXXX but with XXXX it was reported as a c/o. 

2.The following accounts report false information to all three credit bureaus. 
XXXX XXXX OF XXXX Account XXXX Remove account If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain it has three different last activity dates. Also in XX/XX/XXXX its reported as 90days lates but the month before says paid on time. Its impossible to be 90days late if it was paid on time a month before. 

XXXX following accounts report false information to all three credit bureaus. 
XXXX XXXX Account Number : XXXX remove account If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain, it has three different last activity dates. Also with transunion it stated account was close due to transfer yet its still reporting payment after year XXXX with XXXX. Also in year XXXX it says 90 days late in XXXX but the month before says paid on time. Its impossible to be 90days late a month after it says it was paid on time.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

Creditors reporting false information to credit bureaus. 

1.The following accounts report false information to all three credit bureaus. 
JPMCB CARD XXXX Please remove it from my credit report. 
If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain, it has three different last activity dates. Take a look at year XXXX they reported to XXXX the account as paid on time from months XXXX, but they reported it as XXXX with XXXX. In year XXXX it was reported paid on time in XXXX but with XXXX it was reported as a c/o. 

2.The following accounts report false information to all three credit bureaus. 
XXXX XXXX XXXX  XXXX Account XXXX Remove account If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain it has three different last activity dates. Also in XX/XX/XXXX its reported as 90days lates but the month before says paid on time. Its impossible to be 90days late if it was paid on time a month before. 

3.The following accounts report false information to all three credit bureaus. 
XXXX XXXX Account Number : XXXX remove account If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain, it has three different last activity dates. Also with transunion it stated account was close due to transfer yet its still reporting payment after year XXXX with XXXX. Also in year XXXX it says 90 days late in XXXX but the month before says paid on time. Its impossible to be 90days late a month after it says it was paid on time.
Consumer complaint received 2021-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Nicholas Financial Inc. (FL)

I PURCHASED THIS VEHICLE IN 2016 LOAN COMPANY AT THE TIME WAS PLATNUIM AUTO XXXX I MADE PAYMENTS AND SOME TIMES I WOULD DOUBLE UP I WAS PLACED ON A PAYMENT ARRANGEMENT UNTIL I GOT CAUGHT UP FEW MONTHS LATER I FINDS OUT THIS COMPANY TRANSFERED MY LOAN TO ANOTHER COMPANY NICHOLAS FINANCIAL THE PAYMENTS I WAS MAKING THE SUPERVISOR WAS TAKING IT AND SHE WAS FIRED SO NOW THIS COMPANY I'M WITH NOW HAS STARTED MY LOAN ALL OVER AND EACH TIME I'M MAKING A PAYMENT IT'S GOING TOWARDS THE INTEREST AND NOT THE CAR THE LOAN IS STILL AT XXXX I REFUSED TO CONTINUE TO MAKE PAYMENTS AND IT'S NOT GOING TOWARDS THE CAR I SHOULD HAVE BEEN DONE PAYING ON THIS CAR I'M CONSIDERING HAVING SOMEONE TO BUY IT I NEED SOME HELP PLEASE
Consumer complaint received 2016-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NC)

I was evicted from my apartment complex due to financial hardship. My boyfriend loss his job and I was taking care of everything on a XXXX salary. I made sure I spoke to my leasing office daily to keep them abreast as to what was going on. They understood but when it came down to it they had to do what was best for the business. 
Now, Instead of me being charged for the unpaid rent that I owe and maybe a cleaning charge for not being able to clean properly due to the apartment getting locked. I am being charged fees that the debt collectors want me to pay so that the complex and themselves can make a profit off of a life time set back I had and we all have. I would like to be charged for the original amount that I owe so that I can clear the balance up and move on with my life.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX, my Experian credit report indicated that my last late payment was 18 months ago ( XX/XX/XXXX ) and that I had " XXXX '' late payment. Inexplicably, my Experian credit score dropped XXXX points in XXXX and the report indicated that I had " XXXX '' late payments with the last being 19 months ago. XXXX late payments newer than 19 months ago made no sense. As, I knew that I had no late payments and if I did, they should appear on my credit report. I spoke with Experian XXXX representatives who stated, they could n't see " anything to dispute '' on my reports as there were no " new '' late payments added since XX/XX/XXXX!! I asked them what could be done to correct the inaccuracy and they said " nothing '' as they could n't identify anything to dispute. They refused to resolve the issue and indicated there was no way to repair my credit score.Nor could they provide an alternative explanation to the precipitous drop in my score! 
this to me appears to be a gross error and negligence on their part.
Consumer complaint received 2017-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

My {$100000.00} student loan debt was transferred to Navient when  XXXX   XXXX  split. I consolidated my loans for ease of repayment. However, their interest rates were not, thus each individual loan remained with its original interest rate.     I paid off most of my loans by making overpayments, which I allocated to the individual loans in order of highest interest. I have only  XXXX  remaining loans,  XXXX  with a significantly higher interest rate. Navient, however, changed its website so there is no longer an option to allocate overpayments to separate loans. For months after switching to the new website they provided a link to the previous website, so I used that instead to allocate payments to the higher interest loans.     This option no longer exists. In the explanation of loan allocation provided on the website, the company states that if loans are consolidated, payments must be made together and distributed evenly between loans. I believe this is incorrect and illegal. Strangely, in a separate description of online payments, the website claims one can allocate online payments to loans as they wish. Yet, that option is not actually there.     Navient should be providing loan customers the option of allocating extra payments to their loans as desired.
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Clarity Services (FL)

There are XXXX credit inquiries on our credit report dated the same date. XXXX of the inquiries came from short term loan cash provider. The XXXX came from some sort of credit bureau presumably used by the XXXX entity. I have spoken with the short term loan cash provider describing my circumstances. They indicated to me that they have no information on me on file which suggested to them that someone attempted to get a loan using our name and possibly our social security number but were rejected before the official application process. Both inquiries show up on our credit report but they were not related to activity generated by me or by my wife. So, we are nervous that at least one person may have some form of our identity but we are not sure which information or how much information they may have. The date of the inquiries was XXXX XXXX, 2016 and there has not been any further unknown activity since that date.
Consumer complaint received 2017-03-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from Stellar Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Stellar Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-08-15
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ATG Credit, LLC (MN)

After pulling credit report to get pre-approved for a home mortgage i see there is a collections debt that has been on my report since 2013. after calling to see what it is for it was for a college fee. I have never once received any bills, letters or phone calls about this debt in collections. how i am to know about this or pay it when i have not been contacted one time, does not seem fair and has now destroyed my credit. called the collection agency and they were of no help and stated over and over i must pay and then finally said to me that we are getting no where and will report it to there client and then hung up on me.
Consumer complaint received 2016-05-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Curtwright & Klein, LLC (GA)

On numerous occasions, my wife and I have been contacted by representatives from a company named " Curtwright & Klein, LLC ''. The messages are usually quite vague, stating that the person is " trying to get in touch with XXXX '' ( my brother ) and that they 'd appreciate if we could help them get in touch with him due to an " urgent matter ''. In most instances, only a return phone number is left and no mention of debt collection. 

My wife and I are estranged from my brother and have no way of getting in touch with him. At several points over the last month, we have called this collection agency back and asked to be removed. They have not respected our request and continue to call us. Sometimes it 's a live person, other times it 's a recording, and the caller ID varies. 

Phone numbers used : XXXX XXXX