davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MT)

I am disputing incorrect information on my credit report. The credit reporting agency let me log into my account ( using the same information I provided ) and then would not let me dispute it ( using the same information I provided ) because they said it did not match. I entered the information exactly as it appears on my government-issued driver 's license. I do not have a fax to fax them things and am not going to pay to correct THEIR PROBLEM. I get sick of correcting things non-stop on my credit report and want an actual telephone number to speak to a person. I am not going to continually expend resources to correct their problem. Here are the accounts that they are incorrectly reporting:1. XXXXType : Student LoanAccount number : XXXXaccount holder : Individualdate opened : XX/XX/XXXXThis account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
2. XXXXType : student loanAccount number : XXXXAccount holder : Individualdate opened : XX/XX/XXXX. 
This account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
XXXX. XXXXType : student loanaccount number : XXXXAccount holder : IndividualDate opened : XX/XX/XXXXThis account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
XXXX. XXXX XXXXType : student loanAccount number : XXXXAccount holder : IndividualDate opened : XX/XX/XXXX. 
This account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
So I got all of this information from my online Equifax credit report, which they let me see but not dispute. I am not going to spend one dime fixing this problem. I get sick of doing it continually.
Consumer complaint received 2015-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (TX)

submitted my original dispute to XXXX and Experian and was told by phone that the dispute was never started but they sent results saying it was completed and will remain. The documents I sent to them were never uploaded for a dispute. It was an XXXX mortgage t originally through XXXX XXXX XXXX the 20 % has been deleted from all XXXX bureaus. XXXX XXXX is the only bureau that has deleted the 80 % ( XXXX XXXX ) and the 20 % ( XXXX ) for both creditors the fraudulent mortgage from my report but XXXX and Experian did not delete the 80 % and have not even scanned in my supporting documents but they keep saying the information should remain. XXXX XXXX XXXX has not been established as the new payee and they do not have the original mortgage note.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (UT)

XXXX initially requested Equifax delete the account on XX/XX/2016 ( XXXX ), and Equifax refuses to update the file. On XX/XX/2016, XXXX again requested the account is removed from the Equifax report and provided me XXXX. Equifax refuses to remove the account.
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (VA)

Greetings, my complaint involves Flagstar Bank, who has put us in a modification purgatory for the last several years, now has sent letter via lawyers that house again in foreclosure. We had entered into our XXXX trial period and completed the 3 month trial period and have n't been contacted since XXXX of XXXX are at wits end with the whole process while accruing penalties, late fees, etc.
Consumer complaint received 2016-08-04
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (NC)

I have a Paypal account some money on it, about XXXX. I tried to spend the money on a XXXX boost, and the Paypal system would n't complete the transaction without a credit card. Why would I have a Paypal account if I could get a credit card? These people have my money, and have refused to complete a simple transaction to a reputable company. I believe this is an attempt to manipulate my account to mine for new data.
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have disputed this item with Experian and they have refused to investigate this information as XXXX did and removed this information from their reports previously. This information is damaging in that it is incorrect and I have proof and have provided proof to Experian that this reporting is in violations of FDRA. Yet Experian refuses to conduct a fair and through investigation. 

For your review, I have provided a screen print copy of this particular Student Loan XXXX XXXX XXXX Database for Students. In that it shows that XXXX XXXX Reported to The XXXX Financial Student Aid that this loan was in DEFERMENT as of XXXX XXXX, XXXX through XXXX XXXX, XXXX and therefore Experian is UNFAIRLY and FALSELY reporting that I have disputed more than once with them. I am being reported as past due for the following months of XXXX XXXX, XXXX XXXX & 90 days past due XXXX XXXX when my loan was not in repayment status for that time. 

Additionally, Experian has no history of reporting for 30 days past due, 60 days past due BUT just XXXX reporting of 90 days past due in XXXX XXXX. Additionally, provided for your review is a single page printout of all XXXX XXXX as of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This report shows that XXXX has no negative reporting of XXXX past due- Only Experian was reporting this negative information on the same account. However, in XXXX XXXX Experian updated both XXXX with this damaging and falsely reported information. 

Experian, with negligence, has violated the FCRA as well as other Federal, State and Local consumer protections laws in this matter.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

I have disputed the following accounts with equifax numerous times and despite my efforts they still continue to report. There investigations results are that the accounts have been verified as mine but they have yet to furnish proof of this. They informed me to reach out to the 3rd party collection that was reporting the accounts. I contacted them and the gentleman was extremely aggressive and began to yell at me for questioning the validity of the debts. I am at the end of the line and the negative reports of these accounts which do not belong to me are affecting my ability to obtain employment. I have attached a copy of my Equifax credit report reflecting the accounts. Below I have also listed them : XXXX XXXX XXXX : Account # : XXXX XXXX
Consumer complaint received 2024-08-10
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)

I am writing to dispute the accuracy of certain negative information on my credit report. Specifically, two accounts that were included in my bankruptcy are showing incorrect dates and are inaccurately reported as adverse. Under 15 U.S. Code 1681e, credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information they report.

Details of the Disputed Accounts : Account Name : XXXX Account Number : XXXX Date of Bankruptcy Inclusion : DIMISSED Account Name : XXXX Account Number : XXXX Date of Bankruptcy Inclusion : DISMIISED Description of Dispute : The accounts listed above were included in my bankruptcy, and according to the FCRA guidelines, they should not be reporting as adverse. Furthermore, the dates reported are inaccurate and do not reflect the correct information. This discrepancy violates the requirement for accuracy under 15 U.S.C. 1681e.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

The item XXXX, Account number XXXX classified as an individual, utility company account was opened on XXXX/XXXX/2015 and maintained in good faith to be paid in full, every charge which was relayed to the XXXX residence. The date of delinquency first reported was XXXX. This is the same date as the final payment which was provided immediately upon notification of a delinquency in the amount of {$97.00}. The item XXXX is delinquent because, I changed the address on file from XXXX ADDRESS to NEW ADDRESS to which they failed to send notification of an outstanding balance. We received no correspondence indicating an outstanding balance before it was sent to a collection agency and reported to you. Upon notification from the collection agency of an outstanding balance to our new residence we paid the balance IMMEDIATELY in full, which was to include a late charge. Because of this administrative failure by the XXXX Company my family has a now tarnished perfect credit report history, which is to say we have never missed a payment of any kind. I request an investigation to be performed to include any position which might dispute my claim. I attempted to contact the XXXX management to view my previous account and was told that this function was not possible. I also tried to verify phone transcripts and was told this was also not possible. If no proof can be found which invalidates my claim OR if my since closed account payment transcripts are not available I respectfully request that pursuant under the Annotated Code of Maryland XXXX XXXXXXXX and under Common Law XXXX my credit report is updated by the item XXXX being removed from a delinquent position to accurately reflect this truth.
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (VA)

The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access ( to credit file XXXX XXXX XXXX ) has been given in writing. No validation of Debts has been given at all by XXXX XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries by XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IA)

I have a delinquent closed ( written off ) account on my Experian credit report with a company called XXXX that is not mine. I 've tried disputing, but it 's hard to provide evidence something is n't yours especially if you have no idea how this account is connected to you. I 've even tried calling the company, but they are unable to even let me access the account because I do n't have account number which makes sense because I 've never received a bill for the account that IS NOT MINE.
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (ID)

I contacted all my creditors about a non-collectible debt ( XXXX XXXX on my credit report. I proved that I am exempt from the debts under federal law as a XXXX Veteran. They all agreed with me and said that they have removed the debt ( s ) from their records and requested that the XXXX XXXX XXXX XXXX major credit bureaus to remove the adverse information, as of XXXX XXXX, 2015. However, all three credit reporting agencies refuse or delay to remove the adverse information from the record. The accounts are : 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX. All XXXX credit reporting agencies are not doing what they have to by law. 1. Experian 2. XXXX 3.XXXX
Consumer complaint received 2023-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: BCO Consulting Services (CA)

BCO Consulting reached out to me in XXXX claiming to be partnered with the Dept. of Education and would help me with student loan forgiveness for my entire fed loan balance of $ XXXX. At the time, I was dealing with the pandemic and stated I could not make any payments as they were requiring for payment installments of {$350.00} initially to enroll in their program. First red flag, they charged my account without me signing any payment authorization form. I was able to resolve this and got a refund. In XXXX XXXX, I started making the installments of {$240.00} for 4 months to enroll after explaining {$350.00} was too high. They explained that after enrolling, my payments would be $ XXXX for XXXX years and then the $ XXXX fed loan debt would be forgiven. After a year of making payments, my student fed loan balance is EXACTLY the same and they have done absolutely nothing. 

I emailed them the week of XX/XX/XXXX and requested to stop ALL payments in writing and for details on where these payments have been going since my balance is the same. They responded to my request to cancel future payments via email on XX/XX/XXXX and stated Id be disenrolled in the program. They STILL charged me for {$39.00} this month on XX/XX/XXXX after confirming they would not withdraw any funds from my account. I sent several follow up emails on my other concerns and requested a FULL refund from all the payments Ive given them, and they are not responding. I also tried calling and was unable to get a hold of someone. This is the biggest scam/fraud I have ever experienced. I wish I had done more research!
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? I have filed disputes with Experian previously in the same manner so I am not sure why they think this time it was n't me. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts.
Consumer complaint received 2015-10-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (PA)

PNC Bank charge me XXXX inappropriate overdraft fees for no reason. Per my account history I clearly had all the money in my account needed to cover all transactions. They took it upon themselves to just take XXXX {$36.00} charges out of my account completely unsubstantiated. When I contacted customer service they said they refuse to refund the money because " they do not provide courtesy refunds ''. This is not a courtesy, this is my money that they had absolutely XXXX right to take from me. This is theft.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX has a XXXX loan under my name. I did not sign, give consent or agree to a XXXX loan. The XXXX loan is for the same vehicle that I had purchased ( the letters they sent home to me have a different account number than the original account, yet has the same VIN # of my car ). I filed a dispute through Equifax as I also tried working it out with the company. It has been more than 2-3 weeks that I have been calling/emailing XXXX to fix this issue. Recently, I noticed on XXXX XXXX that it shows up as " paid and closed. '' Yet, it also says that I was late on a payment. Since I did NOT sign, give consent or agree to the second loan, it should NOT be showing up on my credit at all. This morning I received an email from Equifax indicating that they contacted XXXX and got verification that the loan belongs to me. I think that it also shows up on XXXX, but that is why I am hoping that by filing this complaint, pressuring the company to fix their mistake and having them report to the credit agencies that it is NOT my loan and that it was THEIR mistake, will clear everything. I am also requesting a written letter from the company indicating that they in fact did make the mistake and the steps they took within the past 3+ weeks to fix it. I want that letter just in case this issue ever comes up again and I have written proof that the loan was a mistake and it does not reflect my financial decisions.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MN)

Credit report continues to show duplicate accounts that will not be removed. After running the XXXX score simulator the results indicated if I make my payments on time for another 20 years my score will still be XXXX poor? There reporting is so invalid. The credit card companies XXXX, XXXX just pull hard inquires whenever they feel like it XXXX for XXXX application. I give up ... As soon as the computer system was able to log disputes the reporting agencies employees became even lazier than before, they just wait 25 days and update with the same incorrect results. They contacted a closed business for verification? Yeah right. Its all scam now, as soon as you log in they want your money to upgrade to this and that and they are in cahoots with the credit card companies that pay them to advertise.
Consumer complaint received 2015-04-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO. (SC)

I was making payments on my private student loan with Chase which i was paying the monthly total every month and my income changed where i was not working anymore and i called them to see if they could lower my payments or help me with my financial hardship and they told me NO there 's nothing can do about. They also where being switched to XXXX and i received a letter in XXXX saying that my account was being switch to another lender on at the end of XXXX and i was trying to make payments online but my account was nowhere to be found so I called and they told me that i neede to contact XXXX and when i called them they said they did not have an account for me at all so i called back to chase they said the reason they could not find my account is becuase it was sent to collections. I was paying what i could every month and they still sent me account into default for non-payment. If you see that i am sending a payment every month, even though it not the whole amount, why would they send my account to default if I 'm making a small payment. My payments are about $ 96- {$98.00} a month and i was sending {$100.00} ( a little extra ) and then i could n't make the payments so i started sending {$25.00}, {$30.00} or {$50.00} a month. THEY HAVE NO SYMPATHY FOR PEOPLE WITH FINANCIAL HARDSHIP AND DO N'T WANT TO HELP NO ONE. All they are worried about is getting their money but if was them they would want help too with financial hardship. If anybody ask about Chase, i would tell them do n't get a student loan from them because they will not work with you during financial hardship and i wish i never dealt with them.
Consumer complaint received 2016-06-08
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP (NJ)

I am supposed to make a monthly payment to pressler & pressler by the XXXX of month according to a XXXX stipulation. 
Every month i paid with a credit card. Pressler & Pressler shut off their credit card payment system. I sent to P & P copy, and they did not fix issue.
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (SC)

Multiple inquiries are on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquiries are still there. The credit bureaus said invalid dispute or verified inquiry.
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ASTORIA BANK (NY)

I opened a new checking account with Astoria Bank on XX/XX/2016 with an ongoing promotion. Even though I applied online I was asked to come to branch to finish account opening. Once in the branch I pretty much had to disclose all the information I already gave online again, I asked them to confirm {$250.00} bonus promotion for having direct deposit for XXXX consecutive months or XXXX bill pays/month for 3 months and they confirmed I am enrolled. They also mentioned I would receive a {$50.00} direct deposit bonus once I receive my first direct deposit. Surely I received my {$50.00} direct deposit bonus on XX/XX/2016. I kept paying bills using this account and also kept my direct deposits. Upon meeting requirements in XX/XX/XXXX I asked them when I would receive the {$250.00} bonus via a customer message and they told me that because I received a bonus already in XX/XX/XXXX I am not eligible. I explained that noone mentioned this when I was in the bank, if this was the case why was the direct deposit even an option noone would choose {$50.00} over {$250.00}. Asked them to revert the first bonus and instead give me the one I am already eligible for but I was denied. If I knew this would be case I would have avoided direct deposit all together.