davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Continental Services Group, Inc. d/b/a ConServe (MO)

My loans from the US Dept of Education ( Federal level ) have been in default. There are 11 loans in total. 
My loans are apparently handled by the US Dept of Education and a Collection Agency called ConServe. 
I had a federal tax offset of {$4200.00} which was handled by the USDept of Education. I called and spoke with ConServe and the USDEdu, asking if I could apply my offset to specific loans so they would be paid off. I was told their policies does n't allow for this and they will divide it among all 11 loans equalling about {$380.00} per loan. Doing the financial analysis on this, that is pointless as the interest will accrue and make that money worthless. 

I spoke with the supervisor at USDEdu, named XXXX, Employee number XXXX and she told me they will apply the money to the loans of my choosing. I confirmed that this is OK to do from the Department of the Treasury. About 2 weeks ago, around XX/XX/XXXX, I called back the US Dept of Education to confirm which loans I wanted the money applied to.. Strangely, the balance they gave me on these loans was suddenly {$400.00} more than the previous week when I received my loan information from XXXX. I asked to speak to XXXX about it but they claimed they have no employee there by that name and have no way of verifying employee extensions. 

Frustrated, I reluctantly let it go for the time being. Today, XX/XX/XXXX, I contacted ConServe to verify those two loans were indeed paid off. They are now telling me that the money was applied to ALL 11 loans per the US Dept of Education guidelines, and there was a note in my account on XX/XX/XXXX by the US Dept of Education saying they would not apply the money in full to the loans in question. ConServe basically always tells me theres nothing they can do and to contact the US Dept of Education. The US Dept of Education always tells me theres nothing they can do and to contact ConServe. I do n't understand why I ca n't apply MY money, the way I want it applied to MY loans. This seems like unfair practices designed to work in the creditors favor and oppress me as the borrower who is trying to take care of these loans. 

It is also my understanding that tax offsets can not be applied to collection fees, and I believe they have done this as well based on the sudden {$400.00} increase per loan but they refuse to send me a financial statement.
Consumer complaint received 2016-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

I provided a letter to Equifax that contained an AUD number for the deletion of a collection account entered by XXXX XXXX XXXX in the amount of {$240.00}. This should have resulted in an immediate removal following verification of authenticity. Furthermore, I gave the AUD number to the representative, XXXX, that I spoke with on XXXX/XXXX/2016. I understand that most cases would require a XXXX investigation but the credit bureau has been given the tracking number for the deletion which should expedite this matter and they have chosen to ignore it.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

This federal tax lien was paid and WITHDRAWN through the XXXX and should have been removed from my credit report. I uploaded the form from the XXXX to Equifax and disputed it XXXX, but they say they keep verifying with the XXXX County tax recorder office. I 'm attaching the form from the XXXX verifying the lien was paid and approved for withdrawal.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX, XXXX Experian To Whom It May Concern : Thanks for the help in correcting some of the adverse information previously reported on my credit report. At the moment I still have some pending accounts, on my credit report, that still need to be fixed. This is why I 'm still disputing the following items : XXXX XXXX XXXX XXXX XXXX Verify and certify the accuracy of this late payment, I really do not know why it is here, so please do so and make the corrections as needed. Convergent Outsourcing XXXX I request from you the confirmation of this collection account, I believe it has been reported by mistake, if so please provide me the whole documentation about it, or otherwise just delete it. DEPT OF ED/XXXX XXXX I know for sure that people make mistakes all the time, and I believe this is one of this occasions, because I have found some late payments that I believe are being reported incorrectly, so expunge all and make it positive. DEPT OF ED/XXXX XXXX This account have information that apparently is incorrect, please verify the status, late payments and terms, and erase them. Incorrect Name XXXX XXXX XXXX Incorrect way to show my name, please remove it and update it to the one appear on my id docs XXXX XXXX Perform an investigation about this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX Perform a real investigation over this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX XXXX XXXX There is a 30 days late payment that I earnestly think is incorrect, so please corroborate this information and fix it. University XXXX XXXX XXXX I feel the monthly payment amount, terms and status should be verified, because I understand they could be incorrect please do your job and correct it. I also need you to please send me the information of whom you contacted during the investigation. 
Great Day! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX/XXXX/XXXX SSN : XXXX
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OK)

Experian has inserted a phone number, into the credit report they maintain on me, from those committing fraud and stealing my identity to take out a credit card in my name. They apparently attained the number from XXXX XXXX, the company issuing the fraudulent credit card in my name. I have been the victim of ID theft four times in the last XXXX years, with the last XXXX occurring when I had a freeze on my credit. However, the thieves have gotten credit cards from XXXX XXXX each time anyway, using my credit with Experian and XXXX as well. Now they have allowed the thieves to insert their telephone number in my credit file. Additionally, Experian has mysteriously lowered my credit score XXXX points, for no apparent reason when there has been no negative reports or activity. Please investigate to get Experian to stop being part of the fraudlent activity.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IN)

XXXX has a collection on my Experian credit report stating that I owe them. I have communicated to them that this debt belongs to my ex husband and not me. I have never had the vehicle, when I went to divorce court the judge signed that this debt belongs to husband. I have also communicated this information with this company.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

my credit is set up under XXXX XXXX for a purpose. The landlord/ management of this mobile home park in XXXX illegally checked my credit. How do I know this? the mobile home park sent me XXXX and XXXX XXXX as there is their right. However, I signed the lease as XXXX. XXXX XXXX only Experian, XXXX XXXX, and XXXX know anything about XXXX XXXX the lease signature is attached
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I have a credit card with XXXX XXXX and I am an active duty service member. Under the SCRA, XXXX XXXX does not assess Annual fees on credit cards. The card in question was originally issued by XXXX Bank which was later absorbed by XXXX XXXX. On XXXX XXXX XXXX, I called the credit card company and paid the balance down to zero, then stated that I was leaving for deployment and that I did n't want a balance remaining due to the limited access to the internet and phone to make any payments should I use my card, I also updated my address so that I could receive correspondence. I left for deployment XXXX XXXX XXXX. On XXXX XXXX XXXX, an annual fee of {$59.00} was placed on my account. I never received a statement for this. On XXXX XXXX XXXX, I received a credit alert at my .mil email address stating that my account was 60 days past due. Immediately I paid the account because I happened to be in an area where phones were available. I returned from that deployment XXXX XXXX XXXX. The only time the account has ever been late since it was opened in XXXX XXXX was after this fee was assessed. It is not fair that I was charged an annual fee and keep getting charged an annual fee, especially since it is stated on XXXX XXXX 's website that they do not assess fees against active duty XXXX under the Servicemember 's Civil Relief Act. On XXXX XXXX XXXX, I talked to a representative at XXXX XXXX explaining my situation. I was told by the rep that they would send out letters to all of the Credit Agencies, and one to myself, to remove the 30 and 60 day late account status from my credit report. That never happened. I would like these negative remarks removed from my credit, it is wrong that they are still there after three years.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (OR)

Experian has been emailed but I have not yet received a response. My story is below. 
-- -- -- -- I was denied a mortgage loan due to my FICA score being too low. In an effort to see what could be fixed on my credit report I ran into no end of hassle and frustration, constantly plagued by advertisements and upsells - all to get information that is specific to me and no one else. XXXX, XXXX would n't even tell me how much money they were going to charge me to see my scores - I purchased it through a different agency. 
So we start with the ol ' " let 's pull our Free Yearly Reports '', only to discover that the free report is fine and dandy - but it does n't include your credit score. To see the actual number that is used to judge your fiscal morality, you got ta pay more money. 
So I do. I XXXX it up and I pay. And then I pay even more so that I can see all XXXX reports and all XXXX scores. 
XXXX! Experian screams from my screen - if what you want is a MORTGAGE, that 's a completely different number - and we get to charge you for that XXXX too! 
So I pay again. I again go through the process of removing myself from all of the spam and upsells. I stop the " free trial that we 'll surreptitiously charge you $ XXXX for as soon as you forget that you came here ''. 
24 hours later I received an email from Experian - explaining that they can send me email if they think it 's important to my account. The content of the email? XXXX more offers to take my money to correct a number that I have to pay to have access to. 
Lastly, on digging around to try to find out why my XXXX score is so low ( a full XXXX points below my actual credit score - which becomes a barrier at this point ) it turns out that my XXXX score is provided by yet another company collecting my information without my knowledge, using yet another mysterious formula that is supposed to psychically predict whether or not I 'll have problems in the future ( you know - the same thing that the other XXXX credit scores are supposed to track ). 

The system is rigged. We are all unwilling participants in a game where the rules are secret and can be changed at a whim by people that obsessively grub for money from those of us that have the least amount of it.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

Experian is blocking my attempts to dispute entries on the credit file they keep on me stating that they are previously verified. Things change and/or are incorrect on it but I can not even correct anything because of them. This is illegal and they have been routinely doing this to the public for a few years now, please help.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

all XXXX credit agencies have me reported as deceased.do n't know how long it has been on my report.i recently applied for credit report and discovered why my cards are being canceled.i keep getting the run around.i want to know who, why, when and what information was reported and why it was n't verified with vital/records, social security administration, employment or insurance dept.this is a headache, lots of phone calls, writing letters/stamps, time consuming and getting them to understand after repeating the same thing over and over.my main complaint is why was n't it investigated before sending to credit bureau and who regulates procedures/policies for credit agencies to follow before entering information on citizens record,
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (WA)

Eleven years ago, I had XXXX XXXX which turn into a nightmare. XXXX. XXXX XXXX six month late. I lost my car, my job, my apartment and m y car was repossess. I turn it in.I sing documents. However, my credit report says that this lean was settle. But my credit is still showing. This is preventing me from getting a job. 
I presently lost the opportunity to get a job because this record from eleven years past was still on my credit report. There is not name of company to contact, no information. I ask a legal firm to help me, they assure me that without the proper information they can not help me. I need my credit clear so I can move on with my live. 
Page no. XXXX and XXXX are the one in question. 
XXXX XXXX
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Under the Fair Credit Reporting Act I am entitled to dispute information that I find to not be accurate - especially information that is lowering my credit score and thus putting a financial burden on me. I am a victim of identity theft. I have previously discussed this identity theft with Expeiran, XXXX and XXXX. I disputed the information that resulted due to the identity theft with all XXXX credit reporting agencies and Experian is the only one of the XXXX that gave me any issues. Experian recently responded to my dispute regarding inquires telling me that they were a fact and that I would have to address each individual inquiry with the company that inquired. Several of the companies did not respond and I later was told by XXXX of the companies that it is Experian 's duty under the FCRA to dispute everything, including inquiries if I provide them with documentation of the identity theft which I have done NUMEROUS times. The inquiries are : Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX Account name XXXX Date of request XXXX/XXXX/XXXX These inquiries are lowering my credit score which is causing me financial hardship. I want them investigated and removed. 

My credit report number XXXX
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

I was away on duty and my account was on hold and XXXX still put it late after my mortgage was being paid on time. I could n't contact them until I got back. Since then I lost my military priveledges because of my credit and not paying bills. The credit bureau have wrongfully reported me late.
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Re : XXXX XXXX XXXX - Case # XXXX This has been paid and fully satisfied on XXXX XXXX, 2014 and recorded at XXXX County on XXXX XXXX, 2014. Please update my account as this is impacting negatively on my report.
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NC)

I called the XXXX number ( XXXX ) and ordered all XXXX reports on XXXX XXXX, 2015, and when I did not received the reports within the 15 day time frame, I reordered all XXXX reports again on XXXX XXXX, 2015. To date, I still have not received my free annual credit reports. As a result, I called each of the individual credit bureaus ' automated telephone lines in an effort to order my reports from each bureau individually. The credit bureaus ' automated systems denied me my free annual report. Further, I placed a fraud alert on my files with all XXXX when I did not receive the credit reports within the promised time frames. I understand that I am eligible for free credit reports as a result of my placing fraud alerts on my credit reports as well. I was denied the free reports as a result of the fraud alert being placed on my files as well. All of the bureaus attempted to charge me for the reports -- even though I still have not received my free anuual or the free report as a result of the fraud alerts. Needless to say, I am very concerned as to who has the reports and the fact that I have not been able to check to see if it is being viewed illegally or for other purposes. I contacted all XXXX bureaus again, and I received confirmation numbers ( after personally talking with a representative and trying repeatedly to get my free reports ), I was given confirmation numbers and a promise that the reports would be mailed out to my address. I will provide an update as to the status after the time frame to which I am supposed to receive them has expired.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

I have several account that are reporting on my credit file incorrectly. 
1 XXXX XXXX have me listed as late never late 2 XXXX fraud account not mine 3 XXXX XXXX fraud not mine 4 XXXX XXXX fraud not mine 5 bankrupcy not mine must be mixed file
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (DE)

countiue to report fraud accounts disputed with creditor back in XXXX thru XXXX from XXXX # XXXX {$4500.00} and Civil judgement XXXX {$4500.00} from XXXX XXXX # XXXX this was result of fraud neglected by XXXX to resolve and these needs to removed from credit file
Consumer complaint received 2016-02-09
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (PA)

XXXX is saying I returned the vehicle back in XXXX 2009 if I returned the vehicle back in XXXX 2009 that means I would be six months delinquent so my first delinquency would be in XXXX of 2009 and if I was six months behind on a car lease GMAC would have came and repossessed the car but they did n't or my payment history would show when my last payment to XXXX was made be it do n't because GMAC is not showing any Payments made of my credit report or any payment history on my credit so they are reporting inaccurate information to XXXX on my credit report and this should be deleted because it 's been seven years now since I returned the car back into GMAC or it would be seven years from my first delinquency
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

I have repeated notified Experian that they are reporting and or maintaining inaccurate information on my credit report for the following company 's and refuse to correct the information. 
1. XXXX XXXX - opened date of XX/XX/XXXX - account # XXXX. This account is reporting negative information that is more than 7 years from the initial date of delinquency of XX/XX/XXXX ( per the payment history shown on the attached report ) this information should be deleted2. XXXX XXXX XXXX XXXX opened date of XXXX this account is reporting inaccurate negative information. The payment history as listed on the attached credit report shows that in XXXX, the account was suddenly 90 days late with no prior late payment for XX/XX/XXXX or even XX/XX/XXXX. so its impossible to be sudden 90 days late. The information needs to be updated to show never late or the account deleted in its entirety. 
3. XXXX XXXX XXXX XXXX XXXX opened date of XX/XX/XXXX. account # XXXX. This account is showing 3-30day late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have notified Experian multiple times that this is inaccurate and provided canceled checks showing the payments were all made on time but they still refuse to correct or delete the information as required by law ( please see attached cancel checks ). 
4. XXXX XXXX XXXX XXXX - opened date of XX/XX/XXXX account # XXXX. This account as shown on the report attached shows closed and paid as agreed, never late but Experian is listing this as a negative account that was part of a BK. This account was closed and paid off before the bankruptcy was ever filed.. so this account should show as a positive account with no negative information or deleted all together. 
5. XXXX / XXXX XXXX - opened date XX/XX/XXXX account # XXXX with an initial delinquency date before XX/XX/XXXX and 150 days late as of XX/XX/XXXX. This account is should be deleted as its initial late payment is more than 7 years ago. 
6. University XXXX XXXX collection account with initial delinquency report date of XX/XX/XXXX should be deleted as it is 7 years old. 

XXXX XXXX XXXX - opened XX/XX/XXXX this account is 7 years past the initial delinquency date. 

I have repeated tried to contact and work with Experian but they will not investigate nor update the inaccurate information listed above