davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

While speaking to a FedLoan customer service agent ( XXXX XXXX XXXX ) I

experienced several troubling issues. 1. The hold-time to speak to a customer  representative took over 35 minutes. This was the amount of time I had to wait just to SPEAK to someone about my account. After this very long initial hold time, the call took about another 30 minutes to tease-out information discrepancies I received from previous agents about the Public Service Student Loan Forgiveness program.

2. The agent ( XXXX XXXX XXXX   ) kept using ambiguous language while referring to qualification requirements about the student loan forgiveness program and WOULD NOT clarify when asked. She kept saying " we RECOMMEND that you submit the employment form annually so we can see your progress towards the loan. '' Student loan forgiveness program eligibility criteria are binary concepts. Criteria is either required or not required to advance in the payment forgiveness program so it goes beyond rational thinking why she would then say " its basically a play on words at this point. '' This whole call felt predatory at best and fraudulent at face-value. 

Not only did the agent refuse to clarify any language but was laughing and chuckling when I kept asking for clarification on enrollment eligibility that should not be made to sounds so ambiguous.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-20
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: EQUIFAX, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (PA)

Complaint against PHH Mortgage Services. I received an escrow shortage letter. I have {$1800.00} in my escrow. They say required min. Balance is {$1200.00}. Anticipated balance {$1000.00}. Shortage {$130.00}. They also state-Mortgage co. says I paid {$500.00} in homeowners hazard insurance. But I actually paid {$930.00} last year in hazard insurance. My insurance went up and is now {$1100.00}. I know that. About {$14.00} a month. They also say their is a {$40.00} fee for OTHER TAXES. What does that mean? They have increased my monthly payment by {$54.00}. Why? What is the item listed as OTHER TAXES? Please help. If my hazard insurance went up only {$14.00} a month why is my escrow account short? Is {$40.00} OTHER TAX increase a mistake over what I paid in my hazard insurance? They saying I paid {$500.00} and I actually paid {$930.00}? Help!
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, 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. (WI)

On XX/XX/XXXX I pulled my credit report and saw inquries that I did not authorize on my credit report. XX/XX/XXXX I called XXXX, TRANSUNION, XXXX INDIVIDUALLY ) each finally reaching live person ; who ALL in different ways ; stated that I needed to dispute my concerns with the ( original ) Creditor Personnel prior ; before they were able to remove these unauthorized inquries off of my credit report that I NEVER authorized from the beginning. With that being said, I started that process. Finding ( s ) information sold and brought and placed to my consumer report via 3rd party sayings-UNVERFIED. Finalized the process by contacting every creditor mentioned on each Individual bureau ( TRANSUNION, XXXX AND XXXX ) as they were listed on each individual credit report pulled. 
XX/XX/XXXX I then sent letters to XXXX, TRANSUNION, AND XXXX ( INDIVIDUALLY ), letting them know that I didn't give them permission to furnish this information. Understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately ; my consumer and privacy rights are being violated. I've demanded they be removed within 15 days ; if they couldn't produce any proof or evidence that supported their reason for those inquiries. 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681B ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information related to a consumer to any consumer reporting agency if- ( i ) the persons has been notified by the consumer, at the address specific by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is in fact, inaccurate. 
The credit bureaus have no respect for the laws. Someone needs to hold them accountable for their wrong doings of this. 
XX/XX/XXXX confirmation of last letter received by TRANSUNION dispute department at XXXX XX/XX/XXXX confirmation of last letter received by XXXX  dispute department at XXXX XX/XX/XXXX confirmation of last letter received by XXXX dispute department at XXXX
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

I am reaching out with an urgent plea for assistance regarding a grave issue that has severely impacted XXXX XXXX and our business account. On XX/XX/year>, our account was compromised by online fraud, resulting in five transactions totaling nearly {$500000.00}. Despite our immediate action to report this incident to Regions Bank, we have encountered significant barriers in resolving the matter. 

That same night, we contacted Regions Bank, but they were unable to provide any assistance, citing our lack of access to the account. The next morning, we sought help from the Vice President and Branch Managers at our local branch located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. They directed us to XXXX XXXX, the Regional Security Manager, who facilitated a hold harmless agreement for the transactions in question. 

Despite these efforts, we have struggled to obtain clear information or escalate the matter effectively. We took the initiative to have the affected funds frozen at XXXX XXXX XXXX, who confirmed the freeze but informed us that Regions Bank must submit a formal claim to recover the funds. 

To date, we have been unable to receive satisfactory responses or escalate the issue beyond basic customer service channels. Our case number with Regions is XXXX, and the claim number is XXXX. 

As long-time customers of Regions Bank , we are deeply disheartened by the lack of communication and support we have received. We urgently need clarity on the actions Regions Bank is taking to secure our funds and resolve this issue. 

We are requesting your immediate intervention to expedite the recovery process and provide us with a comprehensive update on the status of our claim. Your involvement is crucial as we are facing a significant financial loss of nearly {$500000.00} and have been unable to secure the necessary assistance elsewhere. 

Attached are all supporting documents related to this case. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-11
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)

Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Consumer complaint received 2024-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC (OH)

Company name : XXXX XXXXXXXX XXXX XXXX Integra Credit Phone number : XXXX Initial Loan Amount : {$2100.00} Personal Loan XXXX : 159.2513 % Finance Charge : {$3700.00} Total to pay back : {$5800.00} Date of loan : XX/XX/year> I was online, noticed the loan through XXXX XXXX. The APR was 36.9 %. I clicked the link to apply for the loan, the website had issues so I called and talked to a representative. She completed the loan process over the phone with me. It was never clear that the loan was going to be more than 36.9 % and I have been making payments since the first due date and just now noticed that my balance is not decreasing. My balance is still more than 100 % of the initial loan. I have made 6 payments of {$290.00}. This is not fair. I believe this is predatory lending/usury. I would like the rate to be what was advertised. This is not a good thing to do people who are on fixed incomes. This feels like a bait and switch situation. 

As additional information the representative on the phone withdrew application # XXXX XXXX XXXXXXXX XXXX and started the new application on the phone but it says it was done a day later. It was all done same day on the phone.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (PA)

Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX Dispute of Inaccurate Accounts I am writing this letter to dispute several accounts listed on my credit report. I demand immediate investigation and removal of the following accounts, as they are inaccurate and unauthorized : XXXX. Sunrise Credit Services XXXX Account XXXX : {$730.00} XXXX. XXXX XXXX XXXX Account XXXX : {$800.00} XXXX. XXXX XXXX Account XXXX : {$1700.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX : {$3300.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX : {$3900.00} XXXX. XXXX XXXX XXXX Account XXXX : {$3900.00} I am contesting the legitimacy and accuracy of these debts. These amounts are either erroneous, not validated, or in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

You have failed to provide proper validation of these accounts in a manner that complies with federal law. As such, I am formally demanding that you cease all collection activities and immediately delete these entries from my credit report. If you can not provide a comprehensive breakdown of the debt, including original contracts and a detailed account history proving that I owe these amounts, you must take corrective action. 

I expect the immediate cessation of any communication regarding these accounts unless you can supply proper documentation. If I do not receive a timely response within 30 days, I will not hesitate to escalate this matter, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and other relevant authorities. 

Failure to act will result in legal action. I will not tolerate these erroneous accounts tarnishing my credit or your failure to adhere to the law. I demand the full removal of these items from my credit report without further delay. 

You are legally required to notify all major credit bureaus of these inaccuracies and have the disputed accounts removed immediately. 

I expect prompt resolution of this matter and written confirmation of the removal of these accounts from my credit report.
Consumer complaint received 2024-09-16
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. (IL)

Upon checking my credit report, I have discovered a fraudulent account that does not belong to me, this account XXXX XXXX XXXX opened on XX/XX/year> this account is fraudulent and does not belong to me. Also there is a fraudulent address on my account that does not belong to me the address is XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 
And a hard inquiry XXXX XXXX XX/XX/year>. This is fraudulent please remove
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-16
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: Experian Information Solutions Inc. (CO)

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ( Bank ) on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX ( XXXX ) on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. XXXX XXXX ( XXXX ) on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-16
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. (IL)

I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the allhed debt. nor therefore any such debt in fact therefore exist, ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
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. (CO)

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. 

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 XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 that records of convictions of crimes which antedates the report by more then 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 2024-09-16
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. (TN)

I recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-09-16
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.