davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Despite many assurances that the matter would be resolved, the negative items remains on my credit report, causing significant stress and financial inconvenience. 
The persistent presence of these inaccuracies is unacceptable. They misrepresent my financial history, hinder my access to credit opportunities, and cause ongoing distress. It is imperative that this issue be escalated within your organization to ensure a thorough and expedited resolution. I require the following actions to be taken immediately : 1. Immediate Removal of Negative Items : Ensure that all disputed negative items are expunged from my credit report without further delay. Thorough Investigation : Conduct a comprehensive review to identify and address the root cause of these inaccuracies, implementing robust measures to prevent future occurrences. 2. Regular Updates : Provide timely and transparent updates regarding the progress of the investigation and the corrective actions being undertaken. Failure to resolve this issue promptly will leave me with no choice but to seek assistance from regulatory authorities and other relevant bodies to ensure compliance and protection of my consumer rights. Please help me remove these items immediately : 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 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 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 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 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 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 2024-06-13
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)

According to fair credit reporting act these creditors have violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-06-14
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. (CA)

After obtaining my consumer report, I noticed that there are derogatory items reporting on my accounts that are fraudulently reporting without the consent from me, the consumer to whom it relates. This is a direct violation of 15 u.s.code 1681 ( b ) Permissible purposes of consumer reports ; which specifically states that any consumer reporting agency may furnish a consumer report under the following circumstances AND NO OTHER ( 2 ) in accordance with written instructions from the consumer to whom it relates. Experian has also violated 15 u.s.code 1681 ( c ) which states that no consumer reporting agency may make a report containing any of the following items of information : ( 1 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This proves that no adverse items besides convictions of crimes should be included in a consumer report. Since Experian has committed fraud by using there identifying information of another without authority, this constitutes Identity Fraud. I will attach my consumer report with all of the derogatory marks on my consumer report that are to be removed immediately due to identity theft. Under 15 u.s.code 1681 ( c ) 2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later that 4 business days after the date of receipt by such agency.
Consumer complaint received 2024-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (TN)

Back in I believe XXXX I had accidently let some medical bills go to collections. I settled with the collection agency. Fast forward to this year XXXX and I am trying to go see the XXXX  for my XXXX  XXXX. They say I can't see them til I pay off my debt. I say but I already paid that collection agency for this. The XXXX advised to call the debt collector to get the information about it being paid then when I. All the debt collector they start talking about " this call is an attempt to pay a debt '' I tell them I already paid it again and now I'm seeing the debt has now popped back up on my report. After they were the ones to remove it when i paid them.And my bank can't go that far back to get the check I wrote to show proof of payment ( they only have to keep them 7 years apparently ) and I don't have that check book anymore either I was XXXX at the time and had just gotten out of high school and have moved a bunch since then. I'm so disheartened about the whole situation I'm a new mom and am just trying to get some medical care so I can feel at least a little okay so I can care for my daughter..
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On, XX/XX/, I sent a letter to TransUnion asking them to investigate my credit report for accuracy. The investigation letter is attached below. They did not investigate nor did they respond to me in writing within the 30 Days required by the The FCRA, The Fair Credit Reporting Act, " says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. '' On XX/XX/, TransUnion sent me a letter that made it very apparent that they were trying to stall the process of having to properly investigate my credit file. In this letter they claimed that it appeared that my initial request letter was coming from a Third Party and not from me. That this Third Party needed to identify themself. ( See Attached ). 

On XX/XX/, I sent a certified letter to TransUnion stating that they had violated FCRA by not investigating and responding within 30 days of my request to investigate and they must by law now remove All negative items reporting on my credit report.
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pier Special Opportunities Fund LP (AZ)

Communications via email and telephone threatening using processes that blatantly avoid legal process in hopes of inspiring fear as a tool to force agreement. Names are inaccurate for parties involved. Phone calls made to relatives who are not associated with the accounts. False representation of a creditor that has been dissolved in federal court. Original creditor is under investigation for lender violations and the case is still in process. Threats of using actions that circumvent the legal process and both business and personal rights. Threatening use of a legal process that was not included in the contract. No original contracts provided confirming the amounts in question as well as the legal ownership and informant rights of the collection company. Threats of seizure of personal property in a business matter. Made statements to us XXXX XXXXXXXX tactical when such UCC filing was not filed. Blatant action threats with misuse and knowledge of federal and local laws, due process and procedures. Threats of sending agents to personal residence.
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (MA)

I graduated last fall from my XXXX XXXX program where I took out around {$80000.00} to pay for it. EdFincancial is servicing this loan. They will not allow me to enroll them in auto pay until there is a payment due, around 6 months after graduating. Enrolling in autopay reduces the interest rate by 0.25 % which on XXXX is about $ XXXX. When I went to enroll they said it would take 2 months to activate so they are trapping me into paying at least 2 months of interest at the higher rate. That does not seem to be a reasonable timeline for a simple calculation adjustment.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (TX)

EdFinancial does not keep account statements available for the consumer. 

I do not have access to billing statements showing me my interest rate and principal balance month-to-month. Without this transparency, I have lost trust in EdFinancial. This is not legal.
Consumer complaint received 2024-03-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NE)

I attempted to pay on the due date issued and made my payments before the due date. The lender then reversed my payments every single time except for the first time. They told me my account was mislabeled and that was the cause for the reversal but this was a lie as I had checked through their system and everything was in order. They then tried to blame me and my bank for the issues despite my conferring with my bank thate everything was in order.
Consumer complaint received 2024-03-03
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: EdFinancial Services (TX)

I got a copy of my credit report on the credit report it shows Ed financial XXXX Tennessee open on XX/XX/year> {$2000.00} and then another one on there from the same company same date with a high balance of {$1100.00} I never had a nor have I gone to XXXX and I would like something done about this
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EdFinancial Services (CA)

On XX/XX/XXXX Upon reviewing my credit report. I noticed 2 separate ED Financial Services fraudulently using my name. 


1st balance : {$1700.00} 2nd balance : {$3000.00} Both accounts opened : XX/XX/XXXX When trying to access the account, the user name email is unrecognizable and not mine. 

The fraudulent account email is a XXXXXXXX XXXX  email. 

My Only email is associated with XXXX. 


I have submitted a filed complaint to the Federal student aid.gov website & XXXX credit Bureau Case # XXXX I am currently waiting for inquiry and response.
Consumer complaint received 2024-02-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TX)

I found on my XXXX that a loan in a separate state from the one I live, and with a completely different name from mine, used my social security to process a Loan with one Edfinacial, I've refuted this claim multiple times as fraudulent on XXXX with it getting denied every time, finally I had enough and went directly to XXXX website to make the claim but they refuse to do anything with out me providing the account information ( which I clearly don't have ) or my social security number, which I refuse to give them because I have my doubts they won't just use it to say I do owe money that I was never lent.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ADP Inc. (IN)

My wallet got stolen, and someone used my debit card to set up a XXXX XXXX account and take money out of an ATM twice, which I didnt approve. I havent been able to use XXXX XXXX since XXXX. I reached out to Wisely, the financial company, and filed a dispute on XX/XX/XXXX. On XX/XX/XXXX, I emailed them a written statement explaining the transactions I was disputing. By the tenth business day, they still hadnt finished the investigation or given me a provisional credit. When I called them, they said Id get it by the end of the day, but that didnt happen. I called again on the XXXX, and they told me Id get it in XXXX hours. That didnt happen either. I called on the XXXX, and they said the same XXXX hoursbut nothing came. I called again this morning, and they gave me the same response : XXXX hours. This is not okay because under Regulation E, theyre supposed to provide the provisional credit by the 10th business day after the dispute is filed. They keep breaking this rule, acting like they dont have to follow federal regulations. I find this unfair, especially since they let someone steal my money in the first place, and now they keep lying to me.
Consumer complaint received 2024-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Aspen Yo LLC (PA)

MY MORTGAGE HAS BEEN SOLD 5 TIMES, THIS TIME IT WAS SOLD TO GREGORY FUNDING LLC WHIC IS BASED OUT OF XXXX, OR .MY PAYMENTS HISTORY HAS CONSTANTLY HAVE ERRORS EACH AND EVERY MONTH FOR THE PAST YEAR. WHEN YOU CALL YOU STAY ON THE PHONE FOR HOURS AND STILL NO RESOLUTION. WELP, MY MORTGAGE WAS TRANSFER OUT TO A COMPANY NAME " XXXX '' IN XX/XX/year> AND I WAS TOLD BY SEVERAL EMPLOYEES THAT IT WILL TAKE 60 DAYS FOR ALL MY INFORMATION TO BE TRANSFERRED .NEEDLESS TO SAY ITS NOW XX/XX/year> AND NO MONEY HAS BEEN ALLOCATED TO THE CORRECT YEAR OF XXXX .I WAS TOLD BY A REP/SUPERVISOR NAME XXXX THAT NOTHING WAS TRANSFERRED TO THE YEAR XXXX ONLY FOR THE YEAR XXXX WITCH IS FALSE REPORTING. AT THIS POINT EACH TELEPHONE NUMBER YOU CALL SUCH AS XXXX OR XXXX IS DISCONNECTED AND I CAN NOT RESOLVE THIS ISSUES TO CORRECT THE PROBLEM OF MISSING PAYMENTS OR GETTING MY MONEY BACK FROM XXXX XXXX WHILE GREGORY FUNDING MISHANDLE MY { MONEY } MORTGAGE PAYMENTS.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (CA)

A hard inquiry was made on my credit report from a bank that I have never applied to. I believe I may be victim of identity theft or fraud. I received an email stating that my application for an Indigo Mastercard was rejected, despite not submitting an application whatsoever. The email states that this happened on XX/XX/XXXX at XXXX. I got the email later that day at XXXX XXXX Like I already said, I believe someone tried to open a fraudulent credit card account using my information. The email even shows my previous address.
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Collection Account under FCRA - Account No. XXXX Dear CFPB Representative, I am writing to formally dispute the inaccurate and misleading information that is being reported on my credit report by William Rush & Associates . The account in question has the following details : Creditor Name : William Rush & Associates Account Number : XXXX Amount Delinquent : {$2400.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Status : Collection/Chargeoff Dispute Reason : I believe this account is being reported inaccurately in violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA : No Contract with Collection Agency : I do not have any contractual relationship with William Rush & Associates, and I did not authorize any such entity to collect this debt on my behalf. As per 15 U.S. Code 1692e, debt collectors must report accurate information and must not use deceptive or misleading representations.

Incorrect Reporting of Debt : According to the IRS, an unpaid charge-off is considered income. The FCRA prohibits the reporting of income as a debt. This account was reported as a charge-off and therefore should not continue to be listed on my credit report.

Request for Validation : I have requested that the creditor provide a XXXX form to prove that this debt was canceled and should be considered income. However, no such form has been provided, and the account continues to be reported inaccurately. 

Action Requested : I request that the CFPB investigate this matter and direct William Rush & Associates to provide valid documentation supporting their claim or remove this account from my credit report immediately.

If William Rush & Associates is unable to verify the legitimacy of this debt, I demand that the account be removed from all credit reporting agenciesTransUnion, XXXX, and XXXX 30 days of this notice. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Last XXXX Digits of XXXX : XXXX Be sure to include any relevant documents that support your claim when you send this letter.
Consumer complaint received 2024-09-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery Associates LLC purchased a collection from the original creditor XXXX XXXX XXXX. This original debt was over XXXX  years and the collection, PRA, LLC still continues to report inaccurate delinquency dates on the credit bureaus and will not remove the negative collection from my credit report. I have tried to contact PRA, LLC several times and they refused to cooperate. At the advice of XXXX, XXXX of the credit bureaus suggested I write to the original creditor, Synchrony bank which I did and they sent me a letter saying that I am correct and this should be deleted or should have already been deleted from credit file. However, PRA, LLC will not comply. I will attach the letter from XXXX XXXX here or below in upload.