davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc. (NJ)

This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Original Creditor : XXXX XXXX XXXX Balance : {$700.00}
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/2023 I used my American Express Serve card at an ATM but the transaction was denied. I contacted customer service and explained my problem. They told that they had reordered a replacement card for me and my account is now inactive. My social security and pension checks are directly deposited there and I have no way to get to my cash or pay a bill.
Consumer complaint received 2023-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CO)

I submitted my student loan forgiveness application in XX/XX/XXXX. They did not confirm receipt of the processing of that application until XX/XX/XXXX. Despite repeated outreach attempts and complaints in XXXX and XXXX of this year, they have still not finished processing the application. Instead of providing valuable information, they continuously send repeated responses citing an unprecedented amount of applications that they have to process. It has been over 6 months in which they have had the necessary information to process my application and they have not. I am already nearing the point of having to recertify again without the original request being processed because of the duration they've had these materials. Payments are to resume in a month and without accurate information as a result of the processed application I am still expected to make payments and failure to do so will result in a penalty. This student loan servicer is not new to processing these applications and should have been well aware of what to expect when they took over the service of these loans from the US Dept of Education. They are ill-prepared and ill-equipped to handle these applications and do a disservice to their customers with a lack of efficiency and lack of effective communication.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AR)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX RE : Social Security Number : XXXX To Whom It May Conc

ern : This is my second time writing to you to update my personal information. 15 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2016-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IL)

I would like to ask Experian to remove all the inquiries in which no credit has been granted. I have noticed that there are multiple old inquiries which are currently affecting my credit rating, but no debt has been obtained. 

I want those inquiries, including those unauthorized inquiries for companies trying to sell me a product remove. 

I currently see more than XXXX inquiries.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-07-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (MD)

Quicken Loans has been the best mortgage dealer we have ever worked with. 
But now they are telling that it is going to take 2 days to draft electronically. Really? Does this sound right to you? Are they going to be benefitting financially by creating a two day slush fund? 

" Due to some recent changes going into effect on XXXX XXXX, 2016, the recurring payments you have set up through MyQL may take up to 48 hours to draft from your account. 

For example, if you make a payment on Monday, the deduction will reflect in your bank account by Wednesday. However, it 's still important to ensure that the funds are available on the day your payment is made. 

You will continue to get credit for making the payment on the day it was scheduled. There will be no late fees associated with this timeframe change. ''
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

To : CFPB XXXX XXXX XXXX, OH XXXX ( XXXX RE : Equifax To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Equifax credit report, which is inaccurate. 

Specifically, the item is for a medical bill ( allegedly ) without any other information including the servicing/collecting party. I have no knowledge of this medical bill. I have no knowledge of this alleged bill. I believe this is a mistake in reporting. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Equifax report showing the derogatory item. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc. (FL)

This was a " debt '' I got after we moved out of a shared apartment during college. We had perfect renters history and had a {$0.00} security deposit because of it. After living at this apartment for a year, and moving out ( leaving the apartment in good condition like when we moved in ) they decide to hit us with {$650.00} in fees!! I received NO notice from the apartment complex and was sent straight to collections, so I did n't receive word until about 4-5 months later. It was a joint debt shared by 3 people. 2 of those people paid their share, including me, and yet I was not removed. Debt collector lady said she could not tell me if I could be removed from this debt.. XXXX
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2016-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: U.S. BANCORP (CA)

" XXXX XXXX " claims to be a supervisor for XXXX XXXX XXXX, he claims to work for the " Pre- litigation He threatened that if I did n't pay {$3000.00} within 10 days they were going to take me to court and file a civil lawsuit. So when I called this a scam, and asked for Proof in writing? he refused to give me my debt notification in writing, and said that I have till XXXX tomorrow to call him to agree to pay or else face a civil law suit. He said they are n't obligated to notify me if a debt that I owe, he said that 's my responsibility. He was rude and threatening and talking loud over me the whole time. He would n't let me speak with a supervisor.
Consumer complaint received 2015-06-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (WA)

I got a call from the number XXXX saying "this is an attempt to collect a debt on my name from Focus Receivables Management" and that I should call back at that  number.
I know I  do not owe any debt.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2016-06-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (TN)

SunTrust brought my loan XXXX 2012 from XXXX Bank and XXXX. XXXX months after refinancing SunTrust discovered that the MIP was miscalculated. Initially XXXX 2012 at closing, documents signed showed {$110.00}, SunTrust calculated {$250.00}. SunTrust admitted that a mistake was made and that they would be responsible for the difference. It was discovered that SunTrust have not lived up to their agreement in paying the difference in the MIP, {$130.00}, the bank has set up an account with my escrow overage to pay the difference in the shortage in my MIP, that 's illegal for that to happen without my knowledge. The account was discovered during the many calls to SunTrust regarding issues and questions regarding mortgage payment increase, there has been no increase in home owners insurance XXXX XXXX, no increase has been done for more than 5yrs, but mortgage payments have continued to increase, with the increase ALWAYS adding up to the shortage in my MIP. When it 's brought to the attention of SunTrust, the complaint is sent to the resolution team, afterwards several different statements indicating what my new payment will be for the coming month, with several different statements to follow week after week. I have struggled with this issue since XXXX, this has been very exhausting and humiliating, and I have not received XXXX refund overage from my escrow, although statements indicate a refund, but also show that the overage has been applied to the MIP. 
I have contacted the SunTrust Mortgage Escalations Team for a resolution to this issue, with letters indicating that the issue has been resolved, and the issue has resurfaced year after year for the last XXXX. My SunTrust Mortgage is so complicating and confusing at this point, when I call for any questions regarding the issues, they all relate to the MIP miscalculation, SunTrust customer service ca n't answer my questions, because they are just as confused. I have constantly had to deal with these issues each year when the Annual Escrow Account Statement is received. A mistake was made at closing with the MIP, with no fault of my own, and I have had to deal with this nightmare year after year, with no resolution. I have reached out to the President/CEO of SunTrust, and have exhausted all possible personnel relating to SunTrust to bring a resolution to this issue, only to be told by the resolution team that my complaint has been resolved, just long enough for the issue to resurface the coming year, this has been a vicious cycle going on since XXXX.
Consumer complaint received 2015-11-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Student Loan Finance Corporation (TX)

I was XXXX years old, right out of high school, I wanted to be XXXX and decided to try the XXXX field. Texas XXXX XXXX was about half a mile away, I went in to check it out. They sold me the world, told me how much money I could make if I signed up, they said I would travel the world and could make salaries from XXXX p/y. I was very confident, they failed to mention that average XXXX make XXXX $ XXXX $ p/h first few years. With XXXX in possible debt, they should have mentioned that. I 've struggled ever since, was the worst decision I ever made. Now I owe the student loan finance cooperation around XXXX in debt and its growing I 'm sure. I refuse to pay because I ca n't use the college credits I achieved in any other college, not even XXXX colleges accept them now.
Consumer complaint received 2024-08-18
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2016-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MD)

My loan repayment, on XXXX, was recalculated by Pennsylvania Higher Education Assistance Agency for the year and they did not include my wife 's loan in their calculation causing a much higher amount to be deducted than necessary. My student loan payment for my loan jumped from {$260.00} to {$670.00}. The amount they debited however in XX/XX/XXXX was {$810.00}. My wife 's loan increased from {$190.00} to {$420.00}. This increase was due to a failure on my part to confirm her updated yearly certification. I received one email and no reminders from Dept. of Ed. to finish the process. This difference of {$800.00} is significant. I 'm working XXXX jobs to try and keep my head above water. My salary as a federal attorney has lost ground when compared to health insurance premium increases and property tax increases in XXXX County, MD. I work part time on the weekends at XXXX XXXX, but that additional income only increases the amount I 'm expected to pay on my student loan, creating a vicious feedback cycle. I 've recently taken a XXXX job as a part time tribal judge. With a XXXX child XXXX, XXXX XXXX not counting my work hours at XXXX towards XXXX status, this expected but wrongly calculated increase has severely cramped our budget for the month. 

I also have a hard time understanding their PLSF calculation. I was hired at XXXX on XXXX XXXX, XXXX. I worked for XXXX XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. Their calculation says I have 95 payments to go. I have been making loan payments, when not in school, since I worked for the XXXX. I will have 13 years of federal service in XX/XX/XXXX. At what point does the ten year forgiveness kick in?
Consumer complaint received 2023-08-22
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. (NV)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-22
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-08-18
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2023-08-22
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. (NV)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, 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)

Hey Im trying to dispute these inquiries off my credit report Ive already contacted the collection agency about the disputes a few months ago and they sent me a letter back saying they cant do it however I need to have them removed because of this law : I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists