davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I applied for the PSLF and received a letter from Fedloan Dept. of Education, on XX/XX/2021, that they received the form and the second page stated my loans " Are being transferred for PSLF eligibility confirmation, " further stating that they " Reviewed my PSLF certification and application form and based on my employment and other information ( we ) determined that ( you ) have eligible loans and ( your ) employment qualifies for PSLF and that ( they ) do not know yet whether I had made the 120 qualifying payments to be eligible for forgiveness ( note I have a copy from my servicer ) of all my payments and have over the required amount ) to be eligible for forgiveness, and that before ( we ) can determine if ( you ) are eligible for forgiveness ( we ) must transfer all ( your ) XXXX XXXX. of XXXX owned loans from ( your ) current servicer to us. '' I have been waiting for those transfers and any information. I never received information form servicers tehy had my loans, and calling Dept, of Ed, XXXX, and XXXX has been a nightmare. I am unable to log onto XXXX becasue XXXX now has my loans, which should have gone to XXXX, and XXXX said I needed to talk with XXXX. XXXX told me they don't have them. I received an email my student loans are coming due ( despite I applied for forbearance while my PSLF was being forgiven. 
I filed a complaint with the Dept. of Education who responded in an email that they " ... were not able to locate ( my ) application on XXXX 's status center '' and that " We recommend that you submit a new application to be sure your information is fully processed ''! further, it would take approximately 30 calendar days then take another 60-90 days from the date ( my ( PSLF form is approved. It was already approved back in XXXX of XXXX! I have the account number assigned to my Dept of Ed Fedloan 's letter dated XX/XX/2021 but I have not been able to reach XXXX ( and now the Dept. of Ed Fedloan 's Loan Discharge and Forgiveness '' department by phone to provide the account number assigned to my PSLF form that they received it and determined through my employer I am eligible, etc. I have a copy of all my on-time, never late payments from my loan holder/servicer with their letterhead on it of all my payments since XXXX  that I can provide.
Consumer complaint received 2024-09-05
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. (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 2024-09-05
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. (VA)

To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This information must be provided within 15 days of this request. I previously informed your company that I am a victim of identity theft and the XXXX XXXX breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXX XXXX XXXX XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ACCORDANCE WITH 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS ADDRESS NAMES TO BE FURNISHED ON MY XXXX XXXX XXXX CONSUMER REPORTS. ACCORDANCE WITH 15 USC 680ta b 1 2 3 4 PROTECTION OF NON-PUBLIC PERSONAL INFORMATION I DIDNT GIVE WRITTEN CONSENTI ACCORDANCE WITH USC 6802 a b c d e OBLIGATION WITH RESPECT TO DISCLOSURE Of personal information i never Signed any disclosures forms given written consent '
Consumer complaint received 2024-08-01
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-10-28
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. (PA)

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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to alert you to fraudulent personal information linked to my identity. Accounts and transactions have been incorrectly attributed to me without my authorization or awareness, causing me considerable distress. I have fallen victim to identity theft and have already reported this incident. This situation requires urgent attention, as it has negatively impacted my financial standing and personal reputation. I request your immediate assistance in removing all fraudulent data from my credit report and conducting a comprehensive investigation. I stand ready to provide any required evidence and, if necessary, initiate legal proceedings to safeguard my rights and seek appropriate restitution. Your swift action on this critical matter is greatly appreciated.
Consumer complaint received 2024-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Consumer complaint received 2024-10-21
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Altitude Community Law P.C. (CO)

Altitude Community Law is attempting to collect a debt from past due HOA fees at my home that is owned by my Husband and Myself. The debt was taken to court and a judgement was put in place. I reached out to the company to set up a payment arrangement in regards to this debt. Meanwhile this company is sending mail and attempting service on a relative 's address. Even though they are completely aware of where we live since they are collection on HOA fee 's attached to our address. May I also note that we have never lived or associated with the address they are sending mail to. After I reached out for a payment arrangement, they stated it was approved but I have to fill out their paperwork and email it back. This paperwork includes any possible private information you can think of ( SSN, Address, Employment, Bank Accounts ) demanding it be sent through an unsecure portal. Making our information vulnerable to leaking information that can be fraudulently used. Since I did not feel comfortable with this, I mailed paperwork along with post dated checks for the payment plan. They then stated I never paid or sent paperwork so I called them. I spoke with XXXX XXXX ( Collections Specialist ) I asked if she received paperwork and she said no. I asked her to please stop sending paperwork to addresses she clearly knows is not ours and she stated they have never sent anything anywhere but our home address. I requested all the paperwork she sent and she stated I needed to go to the courthouse to retrieve as she has sent it more than 3 times. I asked her where did she send it and she mentioned only to our home address as that is the only address ever on file. 

I then emailed her a copy of the letter that has a different address than our home address and asked if she found my payments. She said she was going to forward to her attorney for review. 

I made it aware to my HOA and this law firm that they are knowingly and willingly participating in abusive collection practices by contacting and disclosing private information to third parties in an attempt to abuse, humiliated, embarrass and deceive their authority. Not to mention the deliberate lying to their actions. Sending process servers to harass my daughter and accuse her of lying. 

It wasn't only after I sent proof to them that they were doing this did they attempt to forward to an attorney and I still have not heard if they have my mail with private information and payments. 

Very concerning.
Consumer complaint received 2023-08-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Center, LLC (TX)

This is related to my debt collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was sold to some other company at the end of my XXXX .. All the bills were paid until then. But since the company was changing they were not able to collect anymore and i was told that I will get bills to my home.. This never happened, instead it directly went to Debt collection.. The debt collection agency ( Credit Center LLC ) reached out to with a higher amount which was not matching my insurance records.. I asked for entire statement since start including billed codes to the insurance.. which was sent to me till date by the debt collection agency.. They created 2 accounts for the debt collection and reported 2 late payment, which is unethical.. 

Reasons : Incorrect/higher amount requested, no attempt made by hospital to collect in the initial stages, information requested with additional billing proofs never provided Regards, XXXX.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-02
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: Nelnet, Inc. (CA)

Nelnet transferred my account to XXXX in XXXX. It was paid off at XXXX in XXXX. XXXX is reporting this paid. But Nelnet is still reporting on my credit report a balance. My Nelnet account shows XXXX balance, Ive disputed this twice with XXXX and XXXX, but Nelnet has confirmed my balance twice now. 

Ive called Nelnet a few times and gotten different suggestions. After a longer investigation Nelnet could not solve this and referred me to you.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK (DE)

Opened a savings account with Discover XXXX Bank on XX/XX/2023. Promo offer of 200 deposited into my account if funded the Discover XXXX account with XXXX or more. Created the online account and tried to transfer XXXX from my checking account ( XXXX & XXXX ) to Discover savings account. Discover system locked me out online and I have spent considerable time of the phone with them to find out that they CAN NOT link with XXXX & XXXX. XXXX & XXXX is my only other bank account and I have never had issues with linking other financial services ( Discover credit card, mortgage, IRS, etc. ). 

I feel like I have been tricked into opening an account at Discover Savings without being told in advance that they only allow transfers with certain financial institutions and unfortunately XXXX & XXXX is not one of them. 

Please require Discover Bank to DISCLOSE this information prior to having a consumer go through the frightening experience of trying to transfer XXXX and have no idea why in the middle of the transfer the user becomes " locked out '' of their account. It was very stressful as I didn't know what was happening with a considerable amount of money. Then I had to spend over an hour on the phone with various people only to learn that this could have been avoided if Discover had disclosed this PRIOR to me opening an account. 

Thank you very much for your consideration of this request.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX 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 in 60 DAYS 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. 


XXXX 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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

I NEVER GAVE WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ALSO IM INVOKING MY RIGHT TO PRIVACY THIS IS MY LAST ATTEMPT BEFORE A CIVIL LAWSUIT WILL TAKE PLACE IMMEDIATELY BECAUSE THIS COMPANY IS KNOWINGLY VIOLATING MY RIGHTS IM OPTING OUT PLEASE REMOVE THIS IMMEDIATELY