davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
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. (RI)

I am reaching out for your help regarding the incorrect account reflected on my credit report. The harm to my reputation has been immense, and I need your immediate action. Your failure in handling my credit report has left me in a dire situation, as the incorrect details have tarnished my reputation. This must be resolved so I can focus on my family 's well-being.
Consumer complaint received 2017-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. XXXX Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under XXXX ( a ) ( 3 ) or the income-based repayment plan under XXXX ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment. XXXX XXXX XXXX Very truly yours, /s/ XXXX XXXX
Consumer complaint received 2017-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (ME)

When I last checked with Fedloan Servicing, They informed me I could submit my   XXXX   loan forgiveness with papers signed on  XXXX   XXXX . I feel like this is just the final and most gregious  XXXX  up in a long list of misinformation by the company.  Today (   XXXX / XXXX /   17   ), I c alled to check on the status. They informed me that that rep was wrong and that I needed to wait until  XXXX   ( 5 full CALENDAR years ). I  am now switching jobs and dont know  if Ill b e eligible. I thought after 5 years of   XXXX   I was all set. I just found out that I am not. When I informed them that this was a  XXXX  dollar mistake that they should be accountable for, they informed me that it was my fault and that I signed the terms that I understood.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CA)

I have had a credit freeze of the credit Bureau SageStream for many years due to a previous XXXX  XXXX and restraint order I obtained against a prior boyfriend who was trying to obtain my information. This has been over 10 years. I was recently denied credit by XXXX XXXX  for a store credit card with XXXX XXXX XXXX XXXXXXXX. I contacted SageStream in order to remove the freeze from my account for 90 days. I was on line with representative XXXX # XXXX, whom was having a problem removing the freeze. XXXX advised " her system had an error '' and that I would need to send her a copy of my " Social Security Card ''. I asked her if I could provide my PIN number if that would help because I did not feel comfortable sending my Social Security Card by email as she requested. I didn't feel comfortable with the representative because I could hear chickens in the background and children. She apologized several times for the noise, verifying that my call was being taken at home. I requested a Supervisor and the representative refused to transfer my call. I also requested another in the office representative and she refused. I was placed on hold a number of times and was on the call over 45 minutes. XXXX provided the following email address XXXX XXXX XXXX. She advised this was a secure email. I don't fee comfortable with sending my SSN card and would like a formal complaint processed. I don't feel customers should have to provide their personal credit information to representatives working at home in unsecure environments.
Consumer complaint received 2017-07-12
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: FIRST HORIZON BANK (TN)

Someone have stolen my identity and refinanced my home while I was under wage earner. The case numbers are XXXX which was discharged in XX/XX/XXXX. On XX/XX/XXXX, the loan I had with XXXX XXXX XXXX was refinanced, the new loan is with XXXX XXXX. The loan number is XXXX. IRS brought this to my attention while I was pulling transcripts. I paid XXXX XXXX XXXX off through payroll. Case number XXXX was discharged XXXX. I had no idea that loan had been refinanced, I did n't know that could be done while you 're under wage earner. I thought you were protected by law. That Was The second loan. I need property taxes from XXXX. The property parcel I 'd is XXXX.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

not mine : FCRA XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CO XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, CO XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX Resident type Multifamily XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CO XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5600.00} Status Collection account. {$5600.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Potentially negative
Consumer complaint received 2021-06-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. I know you guys have 30 days to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been well over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me please help me with these negative items on my credit report it has been well over 60 days at this point I demand for these negative items to be removed it has caused me stress and failure to get employment please and thank you
Consumer complaint received 2021-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MS SERVICES LLC (SD)

Mountain States Adjustment appears on my credit reports for a amount of {$140.00} owed to XXXX XXXX XXXX XXXX XXXX as a result of excessive fees on a ATM withdrawal of {$20.00}. 
I paid the amount to XXXX XXXX XXXX XXXX and do not wish to pay this amount again to this third collection agency.
Consumer complaint received 2021-06-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MN)

We lost our home to fire XX/XX/XXXX. The insurance funds are with US bank as our mortgage company. XX/XX/XXXX Check Received We sent all of the information they asked for and we eventually received the first draw of {$100000.00} to start the house. The frame was already up as the contractor is local and knew we were serious. Once the house was about half done, the contractor asked for another draw of aprox {$100000.00} as that would be the next draw amount. 
US Bank denied the funds without calling us to let us know. When I contacted them a couple of times they said it was under review. I had no way of knowing it was because they didn't have the floor plans. In the property loss draft file it showed " reviewed and valid ''. 
The sorry I received is just not enough anymore. I need a home for my kids. 
I have asked for a supervisor to call me several times and I only once got a call from a supervisor. Her name is XXXX. Now when I call and leave a message for XXXX to see where we are at, she will not return my calls. 
The contractor has now had to stop work as he does not have the funds to cover what was already put on the house and the rest of the supplies needed to finish.

We have not been treated very good by US bank and none of this was our fault. I feel like we are being victimized again. They have all of the control of our funds and we are left to wait for them to fix their issues with communication.

I have attached a copy of the flow sheet on how to request funds and if needed I have records that we have done what they have asked. It just takes time to gather. 
We are sad and this is starting to really take a toll on my family. The kids have had alot to deal with in this past 2 years. I have records from my boys XXXX counselor that say this drawn out process had made it worse for my XXXX year old XXXX. 
PLEASE TAKE THIS SERIOUS. We need to finish our house. The only reason we have not had our lawyer start anything is because we are worried about the repercussions from US Bank. We don't want to make this process any longer.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-08-08
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. (TX)

Equifax ; XXXX and XXXX are reporting incorrectly ( 120 ) days late on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due and the property has been sold and this account has been settled. I have attached pages 3 and 4 of the court ordered settlement ( Divorce Decree ) which clearly shows that this property no longer belongs to me. This incorrect reporting is harming my  credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2024-08-20
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. (CA)

Account Name : THE BUREAUS Account Number : Unknown How are you reporting that this has been opened since XX/XX/year>? Thats impossible delete. 

YOU ARE IN VIOLATION OF THE FDCPA AND FCRA YOU ARE REINSERTING THIS AND HAVE NEVER NOTIFIED ME DELETE THIS IMMEDIATELY AND STOP REPORTING THIS ON MY CONSUMER REPORTS XXXX XXXX XXXX XXXX ( XXXX ) ( B ) ( XXXX ) ( XXXX ) re-insertion of previously deleted items This debt collector has no contract with me. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO XXXX XXXX XXXX, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO XXXX XXXX XXXX XXXX HAS NO PERMISSION TO REPORT MY INFORMATION PER XXXX XXXX XXXX XXXX 

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa :
Consumer complaint received 2021-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (CA)

I cancelled my newspaper subscription last year. I have called several more times to cancel it. Today I received a collections notice, notwithstanding the fact they are still sending me letters asking me to come back while still sending the newspaper even though I have tried to cancel it several times. 

I called the collections agency. However, they say I can only dispute it by sending a fax or letter. They will not take my complaint verbally.
Consumer complaint received 2024-08-20
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Dispute of Inaccurate Information under Rule 611 of the Fair Credit Reporting Act Dear, Experian, I am writing to dispute the following information in my credit report. I have reviewed my credit report, and I believe that the following item XXXX  XXXX # XXXX inaccurate or incomplete. Under Rule 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that you investigate and correct this/these information. 

Disputed Item ( XXXX ) : XXXX  XXXX # XXXX Item : XXXX  Reason for Dispute : This account was reinserted back on my credit report within a few days of being deleted. Under RULE 611 Certification of accuracy of information. If any information is deleted from a consumers file pursuant of sub paragraph ( A ) The information may not be reinserted in the file by the consumer reporting agency.

Supporting Documentation : To assist with your investigation, I have enclosed copies of the following documents [ list the documents you are including ] : [ Document XXXX, State Drivers Liscense [ Document XXXX, Valid Social Security Card [ Document XXXX, FTC Report Please reinvestigate this/these matter ( s ) and delete or correct the disputed item ( s ) as soon as possible. Additionally, please provide me with a written response detailing the outcome of your investigation and a free copy of my updated credit report. 

If you find that the disputed information can not be verified, I request that it be removed from my credit report. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello and good day, I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-08-20
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. (IL)

I am writing to request a reinvestigation of the following item on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 
Disputed Item : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-20
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. (FL)

I have provided required documents to substantiate my claim. Additionally, I have included a victim determination letter as required by 1022.142 ( b ) ( 6 ). In accordance with section 605C of the Fair Credit Reporting Act, I kindly request that THEY block the disputed information from my credit report within four business days. 
I have provided documentation from the list of acceptable items, of which only two are required by law. Please find attached all relevant documents supporting my case.
Consumer complaint received 2024-08-20
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. (NJ)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to bring to your attention a matter regarding the violation of the Gramm-Leach-Bliley Act by the company XXXX. It has come to my attention that XXXX is not allowing me the right to opt out of disclosure, which is a direct violation of my privacy rights as outlined in the Act. 

According to the Gramm-Leach-Bliley Act, individuals have the right to control the disclosure of their personal financial information. This includes the right to choose whether or not their information is shared with third parties for marketing or other purposes. As a customer of XXXX, I should be granted the opportunity to exercise this right and opt out of such disclosures if I wish to do so. 

I kindly request that XXXX promptly rectify this situation and provide me with the necessary means to opt out of any and all disclosure of my personal financial information. Failure to comply with the requirements set forth by the Gramm-Leach-Bliley Act may result in legal action being taken against the company. 

I appreciate your attention and prompt action in resolving this matter. Please provide me with written confirmation once the necessary changes have been made to ensure compliance with the Act. Should you require any further information or clarification, please do not hesitate to contact me at [ your contact details ]. 

Thank you for your cooperation and understanding.
Consumer complaint received 2021-06-01
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. (AL)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-06-01
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. (TX)

I am currently having issues with credit reporting companies reporting on my credit. Ive already filed complaints as well as disputes for several accounts Showing inaccuracies on my report. It has been well over 60 days and I have yet to seen any other disputes corrected on my credit report. I have also went ahead and filed a police report regarding the identity theft that has happened on my credit I will be attaching those files as well as the disputes sent in to the credit bureaus.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

Back in XXXX, I called equifax to have them look at my file and fix it, also called XXXX, and XXXX All 3 agencies will call the creditors and when the creditor says it is a legitimate debt. I know that most of the collections in my file is medical and they have allowed collectors to put date that they place it for collections, rather than the date of service. This is not fair practice as states have statue of limitations on all debts. Oklahoma is 3 years non contract and 5 for contracts and most of mine are out of statue of limitations. To be collected or sued on. I have brought this up several times and well the debt collection agencies seem to be able to do what ever they want to damage your well being even if you know the laws of your state.
Consumer complaint received 2021-05-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A. (CA)

I got a loan from this company in the amount of {$1100.00} I made already 3 payments in the amount of {$400.00} every two weeks but the amount I still owe after 3 payments is {$930.00} which is ludicrous, I understand they need to charged interest but not to take advantage of the people in need, so all the money that I have pay is for the high interest they pay. They need to disclosed that in bold black letters when people click on their website so they can be aware of it.