davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (WI)

I am having serious concerns regarding a student loan I have through American Education Services. Loan information is as follows : Disbursement date:10/28/2004. Loan Program : XXXXCurrent Balance : {$13000.00}. Original Balance : {$16000.00}. Interest Rate : 5.130 % I have been in repayment for over 10 years and have paid {$15000.00} since I began repayment and my balance has barely lowered. According to the standard repayment plan it should be completely paid off by now. Even more concerning is the repayment schedule seems to be moving backwards. Every month the principle portion lowers while the interest portion gets higher, the exact opposite of what one would expect to happen over the life of the loan. I have never missed a single payment and only had XXXX payment in the 10+ years of repayment which was late, by about ten days. To compound the frustration AES will not respond to my inquiries. I would appreciate any assistance you can provide to help me determine what is going on with this loan. I have the wherewithal to pay the loan off entirely, however I am reluctant to do so until I get to the bottom of why it appears that I 've paid far more interest than expected. I thank you in advance for your helpSincerelyXXXX XXXX
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

equifax XXXX blocked me from getting my report and when i have disputed items they have said they mailed out the paperwork but i have never got it im trying to fix identity theft issues and they keep putting me in the special handling dept and will not let me pull my report from any credit monitoring service all i want is to be able to pull me credit report to see what changes have taken place.
Consumer complaint received 2015-06-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Diversified Consultants, Inc. (AL)

A debt collection agancy has been calling my personal cellphone for months. When the started calling my phone no one would answer. The would hand up without saying anything. the they started askin for Person named XXXX. I am not this person, please stop calli my personal cellphone I said. the said the woild not. then a different phone # from same city started calling me again. I want them to stop bothering me by asking for this XXXX person.
Consumer complaint received 2024-08-28
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

In XXXX XXXX, I applied for HAMP through Ocwen Loan Servicing LLC to try and reduce my monthly payment. The application has taken approximately 1-year to process, and Ocwen has since been close to impossible to contact regarding the matter. They are constantly assigning new people to my case, which is making it more difficult to get things resolved. 

Additionally, my automatic payment option to pay for my mortgage has been turned off by Ocwen two times. Several attempts, on my part, have been made to submit the necessary paperwork to get the automatic payments set up again, but they have not been able to successfully reinstate it. Since this has happened, Ocwen has claimed that my loan is past due, however, my bank statements show that Ocwen has pulled the payment amount from my checking account ( where is the money going? ). My mortgage is approximately $ XXXX/month, but Ocwen has sent me several, certified letters claiming that I owe close to {$17000.00} for 3 months in arrears ( 3-months multiplied by {$2300.00} is {$6900.00} ). Their letters have claimed that I am in danger of losing my home. 

As a senior, and widower, I have been on a fixed income for several years, and have always paid my mortgage on-time ( my credit score is consistently in the XXXX FICO range ). I do n't have any understanding as to why my payment plan has been altered by Ocwen, and I am frustrated with the fact that Ocwen has made no attempt to help me get my payment plan activated. It is as if they WANT me to go into arrears so they can foreclose on the property. Meanwhile, the funds are in my checking account. 

Please investigate this matter, because as of XXXX/XXXX/XXXX, I have noticed ( based on CFPB data ) that out of XXXX complaints against Ocwen, XXXX are related to loan servicing, payments, and escrow accounts. This represents XXXX % of their total complaints, so clearly the issue is not with the borrower.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

CONSUMER : XXXX XXXXCOMPLAINT : TRANSUNION AND ALL CREDIT AGENCIES1. I AM TRYING TO BUY A HOUSE2. I TRIED TO GET MY FREE CREDIT REPORT AND WHAT MY FICOSCORE ISA : THEY CHARGED ME $ XXXX : THEY BILLED MY XXXX XXXX CREDIT CARD ANOTHER {$29.00} JUSTTO GET MY INFORMATION FREEITEM1. I THOUGHT ALL CONSUMERS RECEIVED A FREE CREDIT REPORT2. I THOUGHT TRANSUNION COULD NOT STEAL ANY MONEY FROM US. 
THEY STOLE FROM ME AND SAID, XXXX XXXX SO WHAT, YOU HAVE NO CONUMER RIGHTS WITH TRANSUNION. WE CANSTEAL ANY AMOUNT FROM YOU, IS THIS TRUEITRM1. I CANCELLED MYSERVICE TODAYAND SPOKE TO XXXX, EMPLOYEE NUMBER # XXXX AT TRANSUNIONXXXX-XXXXORDER # XXXX
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

I contacted " Experian '' directly, and was somehow redirected to " XXXX '', I paid my XXXX for my Experian credit report but only got to view my XXXX XXXX and XXXX. fico score, I already got this info from credit XXXX XXXX, Experian is unlawfully in collusion with other corporations to hide, and make it to impossable for me to obtain!!
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CA)

American Express cancelled our credit card account as a retaliatory measure for reporting issues to cfpb that we are having with our account. As a good faith gesture, we arranged payment of the disputed amount of {$3400.00} as an immediate balance transfer from another credit card, and caused to be withdrawn on XXXX/XXXX/2015 what we actually charged as payment in full on this account, {$7500.00}. These XXXX amounts actually cause us to overpay what American Express says is due. and it has been our custom for many years to have the amount due withdrawn from our checking account, and never has payment not been honored. Furthermore, I checked our credit report and no one, not even American Express has ever reported us past due and nearly all the accounts state 'paid in full. ' However, after six hours on the phone with American Express this day, they will not reinstate our account that THEY cancelled because of a disputed amount, in part a cyber fraud on the account. American Express states their attorney investigated the account, but this is not true. All we have ever requested is an explanation of charges, because the bottom line total does NOT equal the line item charges, and we have sent them spread sheets to prove this. There has also been an unauthorized payment to XXXX, made by American Express, which is also. or was also and remains, a part of this disputed amount, which ( as stated ) we have now paid in full. To make matters worse, they have harassed us through various emails and a robo-call this day. And they cancelled the account a full day before payment was even due. This is wrong. An account can not be cancelled validly under law when the amount causing the cancellation is a disputed amount. Now American Express states we have a bad account payment history, which according to the records and the facts, as well as Experian, simply is NOT true. It should not be this much trouble to pay a bill, and we should not be punished for doing the right thing and acting in good faith -- And they should not hold our account hostage and extort money out of us ( as they have done ) by threatening us with a bad credit report. We paid the disputed amount, and since money coming from our bank has been our business custom with American Express, they should not that require money forthcoming from our bank be immediately in hand. We are being punished because we reported a fraud on this account and refused to pay an amount we NEVER authorized to be paid by American Express. Our credit record is perfect, and now they are ruining our good and valued name in the business community as well as in the community at large. As I said, payment was not even due, and this was done to retaliate against us for reporting them to cfpb, and possibly to cover up an insider fraud at American Express. No reputable business would cancel a credit card prior to the due date on payment.
Consumer complaint received 2015-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: National Credit Systems,Inc. (CA)

Respected Sir, I Vacated an Apartment in XXXX and while I was staying there on Notice period, no one came for Inspection on premise. When I vacated I got a huge bill of XXXX PLUS XXXX, Stating proper notice was not given and lease was broken. But when I reminded about my submission of my employer letter, they then reduced the amount. 
Then again in the new bill, they mentioned they replaced kitchen counter top and charged me, which was fine when I left.Then I asked for proof like photo, which was not sent. Then National credit system called me as a collector for debt and I mailed XXXX that I DISPUTE claim, still they went ahead with collection agency. Collection agency mentioned if out of XXXX, I owe I pay XXXX ( minus countertop ) they will not report to credit beaureu and I paid that. Inspite of that, now when went with home purchase, to my surprise, because of remark from National Credit system my loan was rejected to low credit score.I called national credit system then told If I pay remaining another XXXX USD to settle in full they will remove it. Still now I can see a statement saying Settled less than full amount in Credit score. National credit also issued me a letter that I owe nothing. Still it is appearing on credit report. I have been a law obeying and good person, but such incident has left me shattered. Please help me, when I have Disputed the claim, how was this handed over to National Credit system. Why did national credit system say that once I pay for amount minus Countertop replacement which was a dispute, they will not put in credit report and still went ahead and put that. Also now also they are not removing it from my credit report affecting my home purchase and interest rates. Also XXXX reduced the final bill XXXX accepting that original bill was incorrect so is this not means to extort money, if they is no resistance. I have full faith in truthfulness and American Justice so please help me.
Consumer complaint received 2015-10-22
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I have paid these people over {$3000.00} on a XXXX acount they say I still owe them {$1500.00} ..I told them that I live on social security and can not pay the illegal usury interest rate of 1000 % .I am XXXX years old. this guy would not give me his name but he at XXXX XXXX. on XXXX/XXXX/2015
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a TPD discharge on student loans. XXXX has notified all Credit Reporting Agencies. XXXX loan holders are still stating that I have made late payments, these are supposed to be removed from my credit report after TPD discharge. In addition, the discharges are reported as transferred over to a new agency, which is a negative report. I cant find out from Credit Reporting Agencies or XXXX if it is an error in the way XXXX reports to the reporting agencies or how the agencies are documenting. Either way, a TPD discharge should not drag my credit down, it should improve. It has been over six months with no resolution Thanks
Consumer complaint received 2015-06-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (MD)

Requested the details regarding the charge and no information has been received from these people ; yet the letters continue even though debts are no longer a part of my credit history. Illegal collection practices in play here. Former collections manager that is able to spot violations of FDCPA when he sees it. 

They are looking to collect on debt that was removed from the credit bureaus during the purchase of my home back in XXXX of 2015. The removal was due to the debts being deemed by the credit bureaus as " Too old to collect '' as the accounts are over 10 years old. They may be " debt buyers '' that are looking to utilize illegal collection tactics. The new collection agency tactics is to try an establish contact with proposed debtors in order to reactivate the debt and establish collection techniques all over again. I have asked them to substantiate the debt which they are unable to do but again the letters continue to arrive at my home ( harassment strategy ) even after dispute notice was faxed to them back on XXXX XXXX, 2015.
Consumer complaint received 2024-10-03
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. (MI)

I looked at my credit reports, 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. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete this inaccurate account from my credit report.
Consumer complaint received 2024-08-28
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)

On XX/XX/year>2024, I received a credit card rejection letter that listed my FICO score with Experian approximately XXXX points below what was listed by XXXX XXXX and XXXX. Upon investigation, Experian had added a second person to my credit report with the same first and last name, but a different middle name and social security number to my credit report. This individual added a lot of negative impacts to my credit such as accounts in default and hard inquiries to my credit report. Approximately around XX/XX/year>2024, I notified Experian of the problem and disputed all of the incorrect information, including the other individuals address, social, phone number, name, and accounts. Upon re rejection form a credit card company again on XX/XX/year>2024, I found that the hard inquiries were left as well as XXXX of the default accounts with a balance of {$960.00} from the previous individual mixed into my report. The same day I re notified Experian and created a new dispute as well as contacting XXXX who the account was with. XXXX was unable to find any accounts linked to my social security number as I had no history with them. They were able to find the default account when I provided them with the social from the other individual that was previously on my credit report. XXXX made a note that the account was showing up on the wrong credit report and I was informed that they would get with management and the credit bureau to sort the issue. On XX/XX/year>2024, I was notified by Experian had closed the dispute and that " The information you disputed has been verified as accurate ''. Experian has messed up my credit report creating issues when I try to pursue lines of credit or a credit card, and they have failed to completely fix the issue twice now.
Consumer complaint received 2015-05-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NJ)

On XXXX/XXXX/2015. I opened a dispute with Experian due to the fact that I had just paid off my Student Loan in full on XXXX/XXXX/2015 with the Creditor. I provided the amount of the payoff and an explanation stating that the loan was no longer in " collections '' and should be reported as closed. Per the FCRA, my understanding is that Experian is legally required to conduct a " reasonable investigation '' of this matter. XXXX days later on XXXX/XXXX/2015 Experian " hastily '' completed their investigation, citing that the account was being reported " correctly '' despite having direct evidence from me that the account was paid in full ( attached ). I assert that Experian did NOT conduct a reasonable investigation, and violated the FCRA by being " willfully negligent '' in their investigation, or that they did not actually do any type of investigation at all. Due to the failure of Experian to conduct a reasonable investigation, I demand that the report be removed from my account immediately.
Consumer complaint received 2024-08-28
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. (MA)

In my previous dispute, I requested that Experian promptly delete the below-listed account and send me an updated copy of my credit report within 30 days of your request and that they fully comply with the law in my request. Accounts Name : XXXX XXXX Account Number : XXXX. Should they have failed to make the requested deletion, I requested that they provide me with the name and address of the person ( s ) that they contacted to allegedly " verify '' the information that I have rightfully disputed. Experian did not fully comply with the law in my request. This account was charged off on the following date : XXXX/2024. Since then the account has repeatedly been updated as charged off every month. This is an update on the payment history. A charged-off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Experian has failed to investigate this account properly after I asked four times and their neglect has violated my rights.
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have several hard pulls on my report that are not mine. for months I have been trying to work with eqifax and have even disputed the pulls. the dispute was entered at night and not 8 hours later they stated they investigated it and they were not pulling the wrong info down. I also disputed the info with experian and XXXX whom took my report and took the wrongful hard pulls down, started a fraud alert and were very helpful. Equifax is near impossible to get anyone that can or will do anything, today I filed a police report due to hard pulls that are not mine, Equifax stated they would not do anything about it. I 'm submitting complaint here in hopes to get action.
Consumer complaint received 2024-08-28
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.