davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
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. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2019-11-29
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (MI)

I agreed to a settlement on a debt which was acquired by MRS Associates. Last Monday, XX/XX/XXXX, my wife and I signed off with our bank to secure the amount I had agreed upon. There was then a required three day waiting period before the funds could be dispersed. Funds were dispersed on Friday, XX/XX/XXXX. MRS Associates was made aware of this timeline and assured me calls to my cosigner would stop. On Monday, XX/XX/XXXX I was already receiving calls from MRS Associates harassing me because they had not yet received the check. They have continued to call me all week, and resumed calling my cosigner today. I called in to the person whom I had been working with today to find out what is going on, and she was extremely unreasonable, demanding multiple times that I contact my financial institution, even though I told her they were closed for the holiday weekend. 

Basically, long story short is that I've agreed to a settlement with them and have taken care of securing the funds on my end. I've signed off on everything with my credit union and funds were to be dispersed on Friday, XX/XX/XXXX. MRS Associates began harassing me on Monday, XX/XX/XXXX because they had not yet received the money. The dispersement of the check is out of my hands, but waiting zero business days before resuming calls seems like textbook harassment to me.
Consumer complaint received 2019-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MO)

I show discrepancies on my credit report. Enhanced Recover '' XXXX '' XX/XX/2016 for {$1200.00} XXXX has account listed as " Charge OFF '' and XXXX has account listed ad " Collection ''.
Consumer complaint received 2019-11-28
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. (MN)

I purchased two phones from XXXX who is a wholesale retailer for XXXX XXXX. Both phones were returned on XXXX XX/XX/2018 to XXXX and XXXX provided a refund receipt. A refund receipt and credit card refund is attached. The return was within the remorse period by XXXX and honored by XXXX. XXXX was not able to communicate the refund to XXXX communication and they called be about the amount due after many months. I told XXXX that the devices were returned and they need to call their retailer. XXXX made no attempt to reach out to XXXX and so I personally went to the store and asked him to resend the cancellation. XXXX provided a copy of refund receipt. XXXX then sent the amount to the collection and every time I tell collection agency that it has been returned, they sell it to other collection agencies. I reached out to EQUIFAX to correct the reporting but they reach out to XXXX who keeps confirming. Both XXXX and XXXX are ignoring refund receipt. I have to pay a higher interest rate due to collection and more recently denied credit due to the collection on my report. I have called XXXX but they keep saying that the account is in the collection and they can not open my file. so I am in a vicious loop trying to correct a wrong item on my credit report. I want XXXX to call XXXX ( phone numbers are there in the attached ) and correct the issue. Also, EQUIFAX should not report false items when provided proof of payment.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

On  XXXX  I ran my credit in the hopes of purchasing a home. When I obtained my credit report I noticed there were inquiries on my report I did not authorize. The inquiries were dated back to  XXXX . I called Equifax,  XXXX , and   XXXX   to advise that I had a fraud alert placed on my account back in  XXXX  and no one is authorized to run my credit unless I authorize it. Each credit bureau advised me that I would need to file a police report to have inquiries removed. On  XXXX / XXXX / XXXX  I went to the police department to file a police report. Th e officer calle d each credit bureau to advise of the report and unauthorized inquiries. They have refused to remove these unauthorized inquiries despite me having a police report and following the protocol I was given.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (NY)

i want for All disputes that where open with Equifax From XXXX  XXXX to be withdrawn and i want for equifax to force and report the information from XXXX  XXXX on my equifax credit report the information was disputed from my equifax report without my permission and i also contacted XXXX  XXXX and told XXXX  XXXX that the information about my credit card account is not showing on my equifax credit report capital told me unfortunately that the accounts get reported to all 3 credit bureau and XXXX  XXXX keeps advising me to contact equifax to fix this problem and also XXXX  XXXX told me they cant do anything to fix this problem i uploaded a statement from the credit card account and equifax needs to correct this information on my credit report. that why am not accepting equifax response Equifax needs to fix this and i want for this account to report again on my report please add the XXXX  XXXX account back to my equifax report My Social Security : XXXX Date Of Birth : XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX
Consumer complaint received 2017-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WI)

Because of past overdrafts to my personal checking account a hold was placed on my last deposit. of a check totaling {$1300.00}. I was thinking okay a day or two. I was then informed that the hold will not be lifted for 10 business days. I explained to the bak customer service personnel that that seems very unreasonable i have business that I have to be able to take care of as well as children in my home I can not go two weeks with no money available to me. The amount of the overdraft was {$70.00} with a bank charge of {$35.00} so how is it that the bank is allowed to access the deposit to cover the over draft along with their fee and then deny me access to cleared funds in order to live? I do not have a outstanding debt with this bank and do feel that this unreasonable.
Consumer complaint received 2017-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I do not have a contract with XXXX XXXX XXXXXXXX. I am not liable for collection of these debts from XXXX XXXX, Colorado. I am not responsible for this debt.
Consumer complaint received 2017-06-02
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. (FL)

On XX/XX/XXXX  I checked my credit report on  XX/XX/XXXX  and I had a total of   XXXX   collection accounts &   XXXX   hard inquiries removed from my report. I checked my account again on  XX/XX/XXXX  and I saw that all  XXXX  collection accounts &   XXXX    hard inquiries were placed back onto my credit without sending me a reinsertion letter as required by FCRA section 611. I have called Transunion several times since the incident to try to get this issue resolved but I have not received any help. Reps wo n't assist me nor will they transfer me to the fraud department telling me that they know what happened but they ca n't help me so basically it 's too bad & that I should file a complaint because they wo n't fix the issue. I have faxed proof that I was affected including screenshots of the removals/re-entries to Transunion but they continually say theyve not received anything from me. Since then I have successfully had the original creditors remove some of them from  my credit file after theyve confirmed and validated the accounts as false. Also since then, Transunion has added a recording that can be heard when calling their toll free numbers  (  XXXX  )  XXXX   &   (  XXXX  )  XXXX   explaining and admitting to technical issues taking place on the dates between XX/XX/XXXX  XX/XX/XXXX  &  XX/XX/XXXX   XX/XX/XXXX  that affect account and inquiries being removed and added back on.
Consumer complaint received 2019-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

ditech sent me a Notice of Serving Transfer letter dated XX/XX/XXXX19. I received this letter on XX/XX/XXXX19 which is less than 15 days from the transfer effective date ( XX/XX/XXXX2019 ). I've received mortgage Serving Transfer notices from other banks usually 60 days before.transfer effective date. 

Ditech 's delay in sending out this notice gives me very little time to react to the impending transfer to XXXX XXXX XXXX XXXX, VA. For example, I may elect to payoff my mortage or refinance to avoid doing business with the new mortgage servicer. In this case, XXXX XXXX appears to have poor customer rating which concerns me. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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)

I was shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they got there. I always check my report regularly, but this time there were random discrepancies. I even tried refreshing the page thinking it was just a glitch, but nothing changed. The wrong accounts stayed there. Given this situation, I need the documents I've sent to be reviewed carefully so I can stop worrying about this once and for all.
Consumer complaint received 2021-09-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

My student loans were taken out when pursuing my graduate school education starting in XXXX XXXX. At that time, my Stafford subsidized and unsubsidized loans were serviced by XXXX XXXX. As I continued my education, my loans were then " transferred '' to XXXX. During that time my subsequent loans were serviced through XXXX from XXXX - XXXX. In XXXX, my loans were taken over by AES until now. At the time there was a income adjusted program that I enrolled in XXXX. Intrrestingly, no one ever directly said they sold my loans, like they did mortgages at that time. Upon completion of my education in XXXX, the total loan amount was + {$100000.00}. I have been working as a federal employee since XXXX. In recent years the SLRP became available, however my position never qualified for SLRP until I switched my occupation in XXXX. In XXXX, I submitted my paperwork to the Department of Education and waited for a response from the PSLF. After receiving an email response that they received my application, I waited some time for a response. I eventually reached out and was told that I was not eligible and directed me to page 8, paragraph 2 or 3, I believe, and told me my federal loans did not qualify because it pre-dated the new program and loan serving structure and told me to contact AES for options. When the program came into being, I did recieve information from my employer of its existence but no information was provided by my loan servicer that I needed to switch to FedLoan serving loan when inquired. However,, this time I was told that by re-applying for a new loan under FedLoan Servicing I could to be eligible in 10 years because of the type of loan I was under. Should I need to work beyond retirement age to be eligible? I believe that better communications from the Department of Education during the inception of this program would have informed me of my rights, rather than rely on an entity that benefitted by serving federal customers with eligible and non-eligible loans. The lack of transparency has kept individuals like myself obligated to paying these companies longer than I believe the government intended. It appears that the Dept of Education is doing this again by " selling off '' FedLoan Servicing. Where is the detailed communication to borrowers about how this will affect current loan forgiveness programs?
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2021-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debtsy Holdings, Inc. (NY)

I was a victim of identity theft crimes. The criminal ( s ) used my identity to apply for many credit cards, used them and left without paying. I filed for a police report and explained my situation to all the banks and collectors. I called and talked with some collectors, emailed them the police reports. Still, some collectors chased me asking me to pay, even if they knew I was a victim and they got the police report. 

One of this collector is called Debtsy. Here 's the contact : XXXX at XXXX | XXXX  XXXX | XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX How did they get my email address? When I called and talked to someone at Debtsy, I offered to email them the police report. They got my email and police report. Instead of believing what I said, they continued writing to me, asking me to pay. These banks issued credit cards without adequately checking the identity of the applicants. They approved the applications without even seeing the applicants. 
Here 's what I received from XXXX, " I work with Debtsy, the company hired to collect on your XXXX XXXX XXXX XXXX balance. This account was originated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but is currently owned by XXXX XXXX XXXX, XXXX. We're contacting you about your overdue balance of {$720.00} for the account ending in XXXX. '' By the way, I have already called XXXX XXXX many months ago and also contacted XXXX XXXX XXXX about this debt being the result of a fraudulent act, not my own doing. Still they sent it to the collector. It is frustrating and it's so hard to get rid of these people. 

By the way, they also added it to my credit score. I was victimized not once but more than twice, first by the identity thieves, second by the banks and the collectors!

I would like to see the identity thieves, the banks and their hired collectors receiving due punishment for they have wrongly done. I'd like to see justice is done and the innocents are protected in the end!
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. I have contacted XXXXXXXX XXXX XXXX by phone, and they told me to dispute this with all 3 credit bureau reporting agencies. This account has always been paid on time and has never been late since XX/XX/XXXX ; and have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. 15 U.S. Code 1681e - Compliance procedures and ( b ) ACCURACY OF REPORT. Below, I have attached an accurate credit report from https : //member.identityiq.com of all three bureaus reporting inaccurately. Therefore, I request you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully, I look forward to your immediate action.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

On XX/XX/year>, I mailed a letter to Experian requesting an investigation into inaccuracies on my credit report. In my letter, I mentioned the information that does not look accurate and complete in I included my ID and Proof of Address to verify my identity and ensure my dispute could be processed without issues. 



However, on XX/XX/year>, I received an email from Experian stating, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' Im confused and concerned by this response because I sent the request and followed all the necessary steps to confirm my identity. Im unsure of the basis for their claim, as I have every right as a consumer to dispute inaccuracies on my credit report. 



I am seeking assistance in getting Experian to process my dispute and investigate the accounts I mentioned in my letter. The errors on my credit report are affecting my ability to secure credit, and I want them to be corrected in a timely manner.
Consumer complaint received 2017-06-02
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. (FL)

I have disputed several accounts with the  XXXX  credit reporting bureaus  XXXX ,   XXXX   and Transunion the credit accounts opened well over 7 years ago and most have a   XXXX   balance. Also it 's been  two  years and some hard inquiries are still showing on my credit report. I do n't know why the credit bureaus will not remove all of these accounts. There 's a lot of unlawful credit reporting activities and this most definitely  XXXX  of them.
Consumer complaint received 2019-10-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

OUR FIRST MORTGAGE PAYMENT WAS ON XXXX XXXX. THIS WAS PAID BY A DIRECT DEPOSIT ACCOUNT SET UP BY ME. AS I UNDERSTOOK IT, EVERY FOLLOWING PAYMENT WOULD BE PAID THIS WAY, UNFORTUNATELY, THE XX/XX/XXXX AND XX/XX/XXXX PAYMENTS WERE NOT COLLECTED AND SENT BY DIRECT DEPOSIT. IT WAS ON OUR XX/XX/2019 ( WE WERE NOTIFIED ON XX/XX/2019 ) THAT WE OWED 3 PAYMENTS TO OUR ACCOUNT. I IMMEDIATELY SENT THIS TO WELLS FARGO. 

I GUESS BEING XXXX YRS. OF AGE AND NOT TOTALLY COMPUTER SAVVY, I DID SOMETHING WRONG. 

PLEASE HELP ME OUT.
Consumer complaint received 2024-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I submitted a repayment plan XXXX, but Mohela placed me on XXXX XXXX and were dishonest and said I never sent the application. I have record that I sent them the request. Now my loans are jn forbearance, not by choice. 

They have lost all my documents related to my loan, making the excuse that due to transition to their new platform all my paperwork is unavailable. Really? So no records of the papwork I submitted since 2022? This is unacceptable. They also refused to recount my payments and apply my payments to XXXX.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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 CORRECT or 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 company 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 this item bas
ed on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX