davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

XXXX  wireless billed ( XXXX ) me for a phone sent to an address in Indiana using my old CLOSED XXXX account number. We called the fraud department and opened a claim. They continued to call trying to get payment which we refused to pay. Our last email about the claim was XX/XX/XXXX saying they were working on it. they continued to call about payment and we repeatedly gave them the claim number. 
I have never been contacted about a resolution since and thought it was taken care of until I now notice a collection on my credit report affecting my score ( XX/XX/XXXX ). 

I have lived in Arizona since XXXX, never lived in, have family, or know anyone in Indiana.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my TRANSUNION credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

This account # XXXX was purchased by a Third Party Debt Collector ( XXXX XXXX XXXX ). This account must be deleted as the status is not correct, the amount is not correct and the account was paid for less than owed by the Third Party Debt Collector ( XXXX XXXX XXXX ). How much did the collection company pay for this item? I don't know and my credit report does not reflect such amounts. This is a clear violation of the 15 USC 1681 ( a ) ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

After multiple attempts to settle these issues with XXXX XXXX XXXX they have ignored all requests to delete this inaccurate information. 

In addition to inaccurate information being reported, this report is a violation of my privacy per the Privacy Act of 1974 and 15 USC 6802 ( b ) ( 1 ) ( a - c ) : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option AND a violation of USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In this case my personal information was NOT RESPECTED and disclosed to third-party non-affiliates ( XXXX, XXXX, EQUIFAX ) without written or electronic notice of how to opt out of disclosure. 

THIS INFORMATION IS NOT ACCURATE NOR IS IT FAIR. AND A COMPLETE VIOLATION OF MY PRIVACY. Per 16CFR433.2 I have a right to uphold my rights as a consumer : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. 

Therefore this information must be DELETED IMMEDIATELY.
Consumer complaint received 2018-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

On XX/XX/XXXX, I received a notification from the Dept of Education that XXXX  XXXX XXXX would be my loan provider. My loan was not posted to my account. When I called XXXX XXXX XXXX, they informed me it wouldn't be posted to my account until XX/XX/XXXX, several weeks later. During those weeks, my loans would be accruing interest yet I would be unable to make a payment. When I complained to XXXX XXXX, they were somehow miraculously able to post the loan the next day. 

This loan servicer manipulates payments in a multitude of ways. I experienced this through the entire repayment process for my undergraduate loans. This servicer does whatever they can to maximize interest expense at the expense of the borrower.
Consumer complaint received 2020-07-20
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: EQUIFAX, INC. (CA)

Creditor sold account to multiple collection agencies and collection agencies may have sold account to other collection agencies. I've been getting harassed. I paid off the debt to a collection agency, but multiple collection agencies continue to contact me over the debt.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

I am writing to formally dispute the inaccurate reporting of the XXXX account ( # XXXX ) on my credit reports with Experian, XXXX XXXX and XXXX. The discrepancies between the credit bureaus reporting regarding this account are significant and misleading. Due to these inaccuracies, I demand the immediate removal of this account from all credit reporting agencies and request compensation for the damages caused, along with a thorough investigation into these issues. 

Inaccuracies Identified XXXX. Date Opened : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. High Credit : Experian and XXXX : {$2100.00} XXXX : {$0.00} XXXX. Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian and XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Late Payment Reporting : Experian : Was 30 Days Late 1 Time ( S ). 
XXXX and XXXX : No late payments reported These discrepancies, particularly concerning the high credit, last reported date, date last active, and late payment status, indicate significant inaccuracies. The inconsistency in reporting a late payment by Experian, while XXXX and XXXX report none, is especially concerning. 

Violations and Impact The inaccuracies in reporting violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such discrepancies can negatively affect my credit score and financial standing, leading to potential denials of credit or other financial difficulties.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Consumer complaint received 2018-03-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (RI)

I have been complaining about accounts that doesn't belong to me. I was told to fax my ID information to confirm my identity, I did this 3 times and received no changes or no response. This is making my life hard.
Consumer complaint received 2018-03-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

As a part of my loan, I was given money to do needed repairs ( XXXX ). Over time as the process lingered, I had a balance of {$30000.00} to complete the repairs. After time, XX/XX/2016, they closed my XXXX loan by taking away the balance of the {$30000.00} without my consent. Therefore, I am stuck with a house with still needed major repairs that I do not have the money to fix. They tried to get me to refinance the loan but my lawyer said no. She told me not to pay them another dime because what they had done was not right so I did not go through with the refinance of the property. They did offer a refinance but it was costing me much more money and I felt I was being punished for them taking away my {$3000.00} that was and still is desperately need to complete the repairs on my home before other major issues occur. I have had to go into my own pocket to pay for some of the repairs by much more work needs to be done.
Consumer complaint received 2018-03-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

I was making monthly payments of {$270.00} to Navient for nearly 2 years, then suddenly in XX/XX/2017, my payment skyrocketed to XXXX a month. 

I called them and was told to submit paperwork to lower the monthly amount. They didnt process the paperwork ( this was around XXXX ). Then when I didnt get a response, I called and the customer service rep was rude. 

I called again and that rep told me the paperwork wasnt processed because they couldnt read my pay stub. I resubmitted it, then I was turned down for the repayment plan. I initially filed a complaint with the better business bureau over this, to no avail. 

They have made my life miserable. Im broke paying what I can here and there. Im afraid to call them.
Consumer complaint received 2018-03-10
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (FL)

I am requesting all three of my credit files be updated with accurate credit reporting for all of my loans with XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. I have 8 loans with this servicer. All of my credit reports show current for XX/XX/XXXX, 90 days past due for XX/XX/XXXX, and 120 days past due for XX/XX/XXXX which is inaccurate. All 8 of my loans are in a deferred status.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX reported 5 missed payments to the credit bureaus for months XXXX through XXXX of 2015. This loan account was initially opened with XXXX and at a different point sold to XXXX. I, the borrower, was never notified of the sale. When payment became due for this account, I believed letters from XXXX regarding payment and balance were fraudulent. After some research several amounts later, I discovered that loan had been sold without notice to me. I reached out to XXXX by letter and the credit bureaus to resolve this issue. XXXX responded to say the reported information was accurate and they were not at fault for lack of communication/notification. The credit bureaus said they reported what they had received. 

All payments to this lender since the time of my discovery have been made on time in XX/XX/2015. I would also like to add that from XXXX to XXXX of 2015 I made payments totaling {$730.00} to show I was attempting to correct a problem I didn't create.
Consumer complaint received 2018-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I have been battling with Synchrony, specifically with my Walmart Credit Card, as to promises for interest being credited back to me, as promised by their reps. I had a rep over a year ago, explain to me that my promotional balances are not paid off first unless I check some spot online, which is not only difficult to find, but also never told to me in the set-up of the account. I brought this to the attention of the reps at Synchrony for my Walmart card and since my card has been open since going back to 2014, they offered the interest credits and I took them. Now, every single time I ask for them to fulfill these promises, I get some cookie cutter responses, like I am not even a person or I matter. I just went online to get a copy of their responses recently, and they " MAGICALLY '' disappeared from the records, after I told a rep I was filing this with you. I am sick of these promises being made and them playing these games! I had the proof to attach to this complaint, as per numerous chat room discussions as well as email contacts on the walmart credit card website, but as I stated, they magically disappeared as of today, which is less than a few hours after I told them to fix this or I am filing this complaint. How is destroying conversations considered legal and fair?
Consumer complaint received 2024-10-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Guild Holdings Company (ID)

I have been working with a mortgage company while searching for a house. Prior to working with them I expressed the need for down payment assistance. I was pre approved with down payment assistance and began home searching. I submitted an offer for a house on XX/XX/XXXXXXXX The offer was accepted XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my loan officer called and said my current mortgage program would not work with the seller. She offered me a different mortgage program with a grant instead of down payment assistance. I signed all of the paperwork for the new program XXXX. Completed a 3 hour class for first time home buyers required by the program. Found home insurance. Payed the escrow company. Had an inspection for the home XXXX. Agreed with the seller the home would be as is and waited to close. Appraisal for the home was completed on XXXXXXXX XXXX XXXX  I also submitted paperwork to break my current lease and agreed to pay {$5700.00} to move out. On XX/XX/XXXX ( 13 days prior to close and 19 days after signing my mortgage program ) I get an email from my loan officer saying she was recommending a backup mortgage program because the loan program I agreed to on XXXX fell through. This new loan program did not offer down payment assistance, no grant, but instead XXXX of my own money to close. Confused, I asked why it fell through. She said she was unable to lock in the interest rate with the initial program and she had been waiting for the rates to come down, however, the rates have only been rising. She hadnt mentioned anything prior. There was no communication over the course of almost 3 weeks that I was not locked in to an interest rate and we were waiting for the current rates to lower. I was under the assumption we were good to go. I now have 12 days until close. I am unable to afford the current mortgage program she is offering. I no longer qualify for any of the previous ones because the rates have went up too high. I have already broken my lease. And I have no time to try and find a new lender before my closing date. My only option now is to back out and ask my landlord to stay if they havent already found a replacement tenant. I am incredibly upset at the loan officers lack of communication. She should have told me I was never locked in. She should have offered other loan programs weeks ago. Instead she sat silently waiting for the rates to come down. Now rates are too high. Now I am left with only 12 days to figure out what Im going to do.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

am disturbed that XXXX and XXXX are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/XXXX and reapplied/put back on to my credit file today XX/XX/XXXX. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Also a collection account XXXX XXXX is a fraudulent account and I have submitted the proper paperwork and will resubmit it again via by mail. Which clearly show this is not my account.
Consumer complaint received 2018-03-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (MD)

Receiveables Performance Management has reported to XXXX and XXXX  credit bureaus that I currently have a remaining debt of {$340.00} as of XX/XX/XXXX which is FALSE REPORTING and a direct violation of Fair Debt Collection Practices Act ( FDCPA ). By law they are required to report accurate information! This account is settled in full therefore, no balance should be reflecting and the account must be closed according to FEDERAL LAW!!!!

Receivables Performance Management is negatively effecting my credit for the month of XXXX  for a debt settled in full on XX/XX/XXXX in the amount of {$410.00}. I am demanding both credit agencies info to be corrected immediately and a letter stating the updates have been made meaning there should be nothing negatively reported for XX/XX/XXXX, in addition to the letter promised by XXXX XXXX on XX/XX/XXXX stating the account has been closed & settled in full. I have been going back and fourth with this company since XX/XX/XXXX enough is enough I'm tired of playing games with Receivables Performance Management
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been trying for years now to get these liars to get the lie off my report. XXXX XXXX XXXX  located in Nevada, is the company I'm speaking off. I paid in full and told them to close my account. Instead they just make the account charge-off instead. Please get this off my reports. Or I'll just sue!
Consumer complaint received 2018-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (ID)

XXXX XXXX XXXX c/o PayPal Credit performed a credit check illegally and unauthorized. I paid a charge of {$7.00} at Paypal on XX/XX/2018 and they in turn ran an application for a PayPal credit card that I did not want, need, or authorize them to do. Unfortunately, due to this, a hard credit check was performed and my credit score was lowered. I did not get approved for the credit card due to the fraud alert on my credit report. This hard check needs to be reversed and I am unclear why this happened to me. This company needs to be notified of their actions that were illegal.
Consumer complaint received 2018-03-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P. (AZ)

While attempting to make arrangements with Paramount Revovery for medical debt the representive made a statement about the negative reporting stopping us from being able to get mortgage, it was absolutely used as a threat.