davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (GA)

I used to have auto payment on my Target red card but after losing my job because my XXXX have tried repeatedly to STOP the auto payments. I have emailed, messaged them, written a letter and the last TWO months called them and demanded they STOP attempting to debit my checking account. They are causing MANY, MANY overdraft and return check fees. Last call, I recorded it and advised them I was doing so, they are STILL trying to debit my checking account for payments. I also told them I was in the process of filing bankruptcy and they had NO right to continue trying to charge me and not give me the option of stopping payments online ( because I can't it always tells me a payment is in process even though they have NO authorization to continued to do so. I want ALL debit fees/overdrafts and fees on their end reimbursed to me NOW!!! They are STEALING from me.
Consumer complaint received 2024-10-18
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. (SC)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$85.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$82.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-14
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: Experian Information Solutions Inc. (PA)

Someone using my name getting a lot of credit cards like 7 credit cards with XXXX XXXX and a student keep coming up. This is really messing my name up and credit. I would like to get this solve. Its not fair someone stole my identity and now I must suffer I want this taken care of soon as possible and I would like a restore and all my credit be right. I shouldnt be held responsible for something I didnt do
Consumer complaint received 2019-11-14
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. (PA)

Someone stole my identity and use my name and social security with out my consent. Got numerous credit cards in my name and mess my credit up and scores. I would like to get this fix its not fair to me someone using my name identity theft and I m held responsible for it as well.its a lot of credit cards from XXXX XXXX its like 7 cards and a student loan thats not suppose to be on there. I want it off
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-10-18
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. (NC)

Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW Washington, DC 20552 XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX Re : Dispute of Fraudulent Account XXXX To Whom It May Concern, I am writing to formally dispute the fraudulent account on my credit report associated with XXXX. This account was previously removed from my XXXX report, yet it remains on my XXXX and Experian credit reports. I am requesting that this account be thoroughly investigated and removed from my credit report as it is the result of identity theft and is not my responsibility. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. The presence of this fraudulent account has severely impacted my ability to grow my business and provide for my family. Most notably, it has prevented me from securing a mortgage, which is critical for housing my family and expanding my business endeavors. 

In accordance with consumer protection laws, including 15 U.S.C. 1681i ( FCRA ), I request that XXXX and Experian conduct a prompt reinvestigation of this matter. Please provide me with written confirmation once this account has been removed from my credit reports. 

Attached to this letter, you will find supporting documentation including proof of my identity, the police report related to the identity theft, and any other relevant documentation to substantiate my claim. 

Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the removal of this account from my XXXX and Experian credit reports.
Consumer complaint received 2019-11-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (NV)

XXXX I been trying to resove the issue with XXXX XXXX with an old bill in which I disputed but it seems to go no where. was told I could resolve the issue for {$250.00} in which I will pay to resolve the issue.
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

This property was being worked on by Ocwen Loan servicing. We tried to get information on this property, we got no information and PHH couldn't find the property in their system. 

Why? because when we first spoke to PHH they told us that the Loan Number would remain the same, that was not true, they changed the loan number and did not notify or tell us. After 30 minutes waiting for a person to search they finally found the property under a new loan number. 

We did not know that all of the work that was submitted to Ocwen would not be recognized by PHH Mortgage. 

First we had to send a Modification package, after waiting 3 +months, Ocwen representative informed us that we had to file a Family Transfer Package, then we had to complete a Qualifying Assumptions Package. 

Now PHH is asking for a loan Modification Package. If Ocwen wanted the Family Transfer Package and The Qualifying Assumption Package, and a new Deed for the property. All of this was submitted to Ocwen : XXXX XXXX phone # XXXX option1 ext. XXXX.Fax # XXXX We only found out about the sale date through a person inquiring about the property. 
We received no correspondence from PHH with a sale date or any other information. 

We are asking for help with this property because we have done everything Ocwen asked us to do and now we must go through all of this again and have a sale date. 

Please help us with this situation. 
Thank You
Consumer complaint received 2019-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IL)

XXXX  XXXX was not my original servicer, XXXX XXXX   was. I believe consolidated my loans in XX/XX/XXXX to pursue the public service loan forgiveness ( " PSLF '' ). I have been working in XXXX XXXX since XX/XX/XXXX. When I submit my annual certification for PLSF, XXXX XXXX is not counting my public service while XXXX XXXX was the servicer. I have called XXXX XXXX two times and tried to resolve this. Both times, the agent went back into the XXXX XXXX profile and saw my payments made under XXXX XXXX, but before they credited those monthly payments, they disconnected the phone and did not call me back. Each of these calls took about 45 minutes, and that was my whole lunch break, so I could not call back. On XX/XX/XXXX, I wrote a letter to XXXX   XXXX regarding this, and I have received no response back. I would like XXXX XXXX to properly credit my monthly payments made while working in public service. 

Another issue is that for years, XXXX XXXX and XXXX XXXX refused to send the applications out for loan recertification. After I would call and beg for the applications and supposedly get sent the applications in the mail, which I never received, and then begged for the sites for the applications, I would always send in my applications on time. But it would take these servicers a ridiculous amount of time to " process '' what my new payment amount would be. Because they didn't know what my new annual payment was going to be, I had the option of making a full standard payment, which was basically all my earnings for a month, or going on forbearance, and not having that month count toward my PSLF. This is also an unfair practice, when the rubric for calculating a monthly payment is so simple and completely in control of the servicer. XXXX XXXX has since changed this, requiring documents to be sent in sooner, so they could process the new payment amounts by XX/XX/XXXX or so, but I believe those months spent working in public service and having to go on forbearance because the servicers couldn't properly process the payments on a timely application should also be counted towards my 120 payment total. This happened for four years, resulting in 4 months less counted. If they did this for 10 years, it would take just about a whole extra year to achieve forgiveness, which is not fair.
Consumer complaint received 2019-04-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

ID:XXXX I was promised if I transfer money through PayPal it would be an instant transfer. Now, they are telling me it will take 72 hours. I am stuck in the middle of nowhere without gas or hotel money. They are playing with my livelihood and it is unfair. They need to be punished like I am getting punished. This is sad!
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX, I have been trying very hard to build my credit back due to a divorce ... 
As of XX/XX/19 my credit score was XXXX ... I looked today XX/XX/19 and Experian had knocked me down 3 points ... I tried to call Experian and ask them why they did this but I couldn't get an answer from them ... this is very frustrating to work so hard on your credit and have this to happen ... it really discourages a person ...
Consumer complaint received 2019-04-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (AL)

Under the ( FDCPA ) initimadting actions and pretending to be somebody else I received an email from a XXXX XXXX ( Settlement Department ) stating this was my final notice otherwise I could be prosecuted on this matter. Went as far as stating in the letter that they would fax the issue to my current employer to make sure they take strict actions again me. and my salary and wages be confiscated.I recieved this email on XX/XX/2017 2017
Consumer complaint received 2019-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$2200.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I did not apply for this account nor did a authorize the account to be opened. This is a fraudulent account and needs to be removed from my credit report. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-10-18
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)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$770.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$940.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-18
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-18
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. (NY)

i been asking for verification and documentation providing accurate information on my credit report to make sure its 100 % accurate its been 4 months of disputing that 120 day and no documentation received on XXXX XXXX they deleted a account XXXXXXXX XXXX XXXX XXXX account # XXXX they put back on XXXX XXXX XXXX that breaking the law over and over I'm requesting assignment contract from any creditor thats reporting bad information on my profile please and thank hope I finally can get some help 15usc code 6802 15usc 1682b 18usc 1028 plz remove these item or
Consumer complaint received 2024-10-18
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. (WV)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-18
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. (NC)

I would like to dispute these inaccurate accounts on my credit report, Experian : XXXX XXXX XXXX XXXX Account Number : XXXX {$2000.00} XX/XX/year>
Consumer complaint received 2016-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: DataMax Corporation (TX)

XXXX XXXX in North Carolina submitted my account to a collection agency Interstate Credit Collections before sending me a final bill after I requested services be discontinued due to moving out of state. My next bill would have been due on XX/XX/2016. The collection notice arrived with a date of XX/XX/2016. A XXXX representative verified that they did have my forwarding address, but that it is their policy to turn accounts over to the collection agency within 72 hours of the date due. The date of my bill from collection agency is the same date the bill would have been due, not 72 hours. XXXX did not mail a final bill to me prior to submitting it to collections. This would appear to be an illegal practice. I have paid the bill in full, but XXXX indicates that it is not their responsibility to remove it from collections. I notified Interstate Credit Collections today that the bill has been paid in full to XXXX directly. They have assured me that this will not affect my credit. However I have no reason to believe this. XXXX XXXX should not be able to submit consumers to collection before providing them a final bill. I hope that something can be done to curtail this practice as I am sure it has a negative impact on consumers ' credit! 
I will now have to chase this with the credit bureaus to ensure that it has n't affected my credit. Both businesses have assured me that it wo n't. However the collection agency could not verify that I 've paid XXXX XXXX because they say XXXX needs to submit it as paid to them. XXXX tells me they ca n't remove the account from the collection agency even though it is paid in full. So where does this leave the consumer? 
I hope you can help me confirm this is n't on our credit as we are purchasing a home!
Consumer complaint received 2024-10-18
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. (VA)

I would like to dispute the following inaccurate accounts on my credit report. 

XXXX : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Date of inquiry : XX/XX/year> Experian : XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX DEPT OF EDUCATIONXXXX Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-18
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. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX