davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the following items, or inaccurate information, from my file immediately & send me the results to the address 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 XXXXXXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

As of today XX/XX/XXXX XXXX XXXX XXXX loan any is XXXX Credit report states between XX/XX/XXXX to XX/XX/XXXX loan balance increased by XXXX from XXXX to XXXX. Ive had problems in the past, seems as though I get almost to a credit score of XXXX and XXXX shows suspicious activity on my credit report, incorrect information keeping my credit score low. Its been going on for several months. The credit reporting agency should be fair and not sabotage a persons credit report. I will be on the look out in the future and continue reporting erroneous information.
Consumer complaint received 2019-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

Navient assured me that I was enrolled in the public service loan forgiveness program, which I am apparently not. I have been scammed already by XXXX XXXX and was paying them for 3 years, being led to believe that I was making payments towards this program. While being scammed by XXXX, Navient NEVER informed me that I was not making any payments towards my student loans, let alone the program itself. Once I was informed that XXXX was scamming me, I talked with Navient customer service directly and asked if I was properly enrolled in the PSLFP and they said that I was. Now I am not sure what I am suppose to do? Between these two companies I have lost at least five years of time with the program ... .thats over half my payments that need to be made for this program, not to mention 3 years of nothing at all being paid on my loans, the amount of interest just racking up!
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (CT)

This Credit concern is a Personal Line of Credit, first established c/o PAYPAL and in apx. past five-years managed by Synchrony Bank, XXXX CT. 

Yesterday, XXXX, PayPal website prompted placing a Telephone Call @ XXXX ; Updating of Addresses and Contact Information has been a task for recent-weeks, PayPal includes a separate hyperlink-access to a portion of what is Synchrony Bank settings.

First attempt had a general vagary ahead of any initial-progress ; presenting a telephone on file provided to access account, followed by last four digits for Social Security number preceded what appeared an altered-read of something similar to the US Patriot Act and, then starting the process, a telephone number associated w/ the account was asked for again.

Providing both Landline and Smartphone numbers assuming this to have been updating procedures, once provided smartphone, the male on the recorded line rapidly ushers in a requirement that a 5-second video be submitted to Synchrony Bank prepared hyperlink to be submitted only to SMS Text Message, showing the equivalent of a photo ID Protesting this demand, Synchrony Bank states this being the only manner to update Address on File. Deemed atrocious, the call ends on my own accord. 

Another call is then placed to the same telephone number after searching 'XXXX  ', finding a handle for Synchrony Bank offering assistance, yet not being Official, Registered, or connected to this Lender/Credit Provider. Account has near to 10 years of visibility on this particular public-website.

Connecting w/ another Customer Service agent, clarification was demanded for this invasive and/or predatory practice of generating digital similarities and submitting said digital content, previous conversation having disallowed any other option in order to properly maintain known addresses.

When asked the legality of such a requirement, this process was flatly proclaimed as being legal. Pressed further for what Statute it is attached to this Company Practice,
Synchrony Bank fumbled an attempted response, becoming evasive, terse and halting progress by turning the matter upon my own initiative - labeling my nature as problematic, uncooperative and refusing to abide by their rigid demand.

Asked what would occur should another 15 year account holder have the same wish for accuracy yet not have a smartphone want to update records, a 'Fraud Reporting ' postal-mail address was recommended.

Re-iterating there not being a Fraud issue, Synchrony Bank condescendingly asks if they may continue w/ providing this Mailing Address for a copy of a State Issued ID be mailed. When asked if this is a XXXX CT Address, caller hesitates again. The call is declared over, again by my own accord just after a brief synopsis of how this contact w/ Synchrony Bank has altered confidence in their lending practices and that there exists a channel with the FTC for such occurrences.
Consumer complaint received 2019-09-25
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: Experian Information Solutions Inc. (CA)

I tried reaching out to the debt collection company named XXXX XXXX XXXX XXXX via mail & phone and none of their methods of communication seem to work. I have sent debt validation to all the addresses via certified mail with no response. I disputed the information with Experian and the account comes back as verified. I asked Experian to provide me the method they contacted the data furnisher so I can request the validation of the debt and they said they would not provide it to me.
Consumer complaint received 2019-09-25
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: Experian Information Solutions Inc. (OR)

My mortgage company, XXXX, now filling bankruptcy, misplaced my mortgage payments for most of XXXX and reported information to the three credit reporting companies that I was past due for a good share of that year. I contacted the three credit reporting companies and filed a dispute. XXXX  and XXXX  removed the reports from XXXX that showed payments past due but did not change my credit score back to where it was prior to XXXX erroneous reporting. Experian did not correct the past due notation on the XXXX account even though I sent them copies of my bank statements showing that I had made payments on time for each month in XXXX and XXXX. In fact I have never missed a payment since the mortgage loan was taken out. This has not only caused me a lot of grief but has also cost me money in the form of increase interest rates with my other lending institutions.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Investors Servicing Corporation, Atlanta, GA Branch (SC)

I emailed regarding a late payment that was made. Requesting a 'goodwill ' adjustment because it was reported to the credit bureau as a late payment and we have been working our butts off to pull our credit out of the gutter and restore it from bad choices made as kids. As seen by my 17 % interest rate we really need this adjustment made. We have made all other payments ON TIME or BEFORE the due date and to be told that this will not be adjusted off is very discouraging. 

My husband pays all of the bills in our household and he was out of work for ONE MONTH with XXXX. I can provide all of the supporting documentation needed for this. I have reached out to the lender letting them know we had a financial hardship and our timely payments prior to this matter should have been more than enough proof of that. In turn I received what seems to be a pre-generated response : We have received your request for a goodwill modification of the account information on your credit file. While we are sensitive to your request, due to our commitment to furnishing accurate information, we are unable to grant your request for a goodwill modification. That being said, if you believe that we have reported inaccurate information concerning your account to any consumer reporting agency, please send us a dispute notification indicating the specific information that you believe is inaccurate along with any relevant information that supports your dispute. The dispute notification should be sent to First Investors Servicing Corporation, Attn : Compliance Department, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX. 

Please assist us in this matter. 

Thank you.
Consumer complaint received 2019-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

In XXXX XXXX 's response dated XX/XX/XXXX, the company stated that they have verified the account by basically providing my personal information as verification. The company further claimed that because the account was opened online then they have no record of the signature. This is both invasive and frightening. The company should have had signature regardless of where the account was opened. Providing my personal information as proof that I was the one who opened the account is farcical as it is ridiculous. Identify thief happens everyday and if all the company needs to prove that it's a valid application is the person 's information is a ridiculous and dangerous assertion. The FDRA clearing states that the company MUST provide a copy of the application with my signature on it to  prove origin and ownership of the account otherwise the account MUST be removed from my credit report immediately. 

Furthermore the company chronicled the account being opened on XX/XX/XXXX and sold to XXXX Originator on XX/XX/XXXX. Yet XXXX lists the account as being opened on XX/XX/XXXX even though that account had been in existence for almost two years prior. The fact that XXXX has posted erroneous information regarding the origins of this account means that this account MUST be deleted IMMEDIATELY from my credit report. 

It must also be noted that in the letter forwarded by the companies XXXX XXXX and XXXX deliberately withheld information regarding the amount that the account was sold to XXXX XXXX XXXX for. That information is important because if XXXX XXXX were paid an amount for the account. That amount should be subtracted from the amount that XXXX is claiming to be owed. The fact that XXXX is claiming the original amount owed but yet refused to provide proof of that amount is sufficient reason to question the balance being claimed and hence that inaccuracy is grounds for the account to be deleted from by credit report immediately. 

I remain committed to pursuing monetary compensation from all the companies involved with respect to the negligence shown in responding in an prompted manner, the blatant disregard for good faith due diligence and the continued stonewalling while my credit continues to suffer.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to request the blocking and permanent deletion of accounts and inquiries listed below, which were fraudulently opened in my name due to a recent data breach. These accounts and inquiries were not initiated by me, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their removal from my credit report. 
Please remove the following fraudulent accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STERLING BANCORP (NJ)

I requested a mortgage payoff statement with Sterling National Bank by calling their mortgage services line on XX/XX/2019. I asked for the amount over the phone but they said they can not give me that information over the phone. I then asked them to send the info through the mail. 
By the beginning of XXXX, I still hadn't received a copy of it ; however, they did send out their monthly bill for XXXX. When I called on XX/XX/XXXX, they said that it shows that their system did generate a copy and was sent. I have been monitoring the mail daily since the request and thought that it was strange that I received the monthly statement but not the payoff statement. 

When I spoke to the representative ( XXXX ) by calling the mortgage services number again on XX/XX/XXXX, I requested the information over the phone so I can prepare the amount. They said they can fax it to me but not send it through email or give me info over the phone. The only option is to send it through regular mail. I do not have access to fax. I went ahead and requested this statement again for the payoff date of XX/XX/2019. Today is XX/XX/XXXX and I still haven't received it. 

I have since then received the regular monthly payment statement. I find it odd that I've requested this twice and they still have not successfully sent this to me. I question whether they are ignoring my request and not sending this to me. 

Under federal law, the servicer is generally required to send you a payoff statement within seven business days of your request, subject to a few exceptions. ( 12 C.F.R. 1026.36. ) Because you havent received a statement within this time frame, I called them and told them that I still haven't received it and that I'm officially sending them a notice of error to the servicer asking it to provide the statement. 

I don't think they want me to payoff my mortgage and continue to receive interest. Please help.
Consumer complaint received 2022-07-13
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. (AR)

This is my last endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (DC)

In XXXX XXXX 's response dated XX/XX/XXXX, the company stated that they have verified the account by basically providing my personal information as verification. The company further claimed that because the account was opened online then they have no record of the signature. This is both invasive and frightening. The company should have had signature regardless of where the account was opened. Providing my personal information as proof that I was the one who opened the account is farcical as it is ridiculous. Identify thief happens everyday and if all the company needs to prove that it's a valid application is the person 's information is a ridiculous and dangerous assertion. The FDRA clearing states that the company MUST provide a copy of the application with my signature on it to prove origin and ownership of the account otherwise the account MUST be removed from my credit report immediately. 

Furthermore the company chronicled the account being opened on XX/XX/XXXX and sold to Sherman Originator on XX/XX/XXXX. Yet LVNV lists the account as being opened on XX/XX/XXXX even though that account had been in existence for almost two years prior. The fact that LVNV has posted erroneous information regarding the origins of this account means that this account MUST be deleted IMMEDIATELY from my credit report. 

It must also be noted that in the letter forwarded by the companies XXXX XXXX and LVNV deliberately withheld information regarding the amount that the account was sold to Sherman Originator LLC for. That information is important because if XXXX XXXX were paid an amount for the account. That amount should be subtracted from the amount that LVNV is claiming to be owed. The fact that LVNV is claiming the original amount owed but yet refused to provide proof of that amount is sufficient reason to question the balance being claimed and hence that inaccuracy is grounds for the account to be deleted from by credit report immediately. 

I remain committed to pursuing monetary compensation from all the companies involved with respect to the negligence shown in responding in an prompted manner, the blatant disregard for good faith due diligence and the continued stonewalling while my credit continues to suffer.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Contacting you all again. I tried to get a personal loan from my bank that l I've banked with for over 10 years and I was denied. When I asked why they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. These items are still on my report : XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

On XX/XX/XXXX22, I called Nelnet, my loan servicer, requested {$5800.00} in payments made during the COVID forbearance period ( 29 payments ) be refunded, as I will be applying for student loan forgiveness. Customer Service told me my request was submitted to the Solutions team, and review would be complete in 4-6 weeks. All of my peers who also requested these refunds around this time have had their refunds processed and balances reapplied to their loans. I called Nelnet again on XX/XX/XXXX22 to get an update on my refund status, and Customer Service told me my original request from XX/XX/XXXX was not correctly submitted by the previous Customer Service Representative, because they forgot to provide the Solutions team " all necessary information '' regarding my request. So, during this call on XX/XX/XXXX, I resubmitted my request. I just called Nelnet again this morning ( XX/XX/XXXX2022 ), and XXXX, the Customer Service Representative I spoke to, confirmed my request has been acknowledged by the Solutions team. XXXX stated the processing time for these refund requests is now 16 weeks, which would lead into early XX/XX/XXXX2023. Since the COVID forbearance period ends in at the end of XXXX, I will be forced to make payments while Nelnet continues processing my refund request, and while the DOE reviews my student loan forgiveness request, which I can not submit until after Nelnet refunds my payments, in order to ensure my entire balance is forgiven. In sum, I will be waiting an extra four months for my refund and to just apply for loan forgiveness and will have to make payments during that time, all because Nelnet didn't submit my request properly when first called on XX/XX/XXXX/2022. While most other requests made at that time have completed review, I'm unfortunately stuck waiting.
Consumer complaint received 2022-09-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRONTO FINANCE INC. (IL)

I financed a car through pronto finance and due to a financial hardship i wasnt able to make payments on time after 3 months. My car was towed and i asked for their help to get my car and they agreed that they would help me then they never gave me my car back and told me they were repossessing it due to non payment. I cant remember any specific dates buti got the car in XXXX of 2018 i gave the the dealership which is XXXX XXXX XXXX  a XXXX XXXX dollar down payment for the car and when i check my payment history from pronto finance its not on there