davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I understand I currently have an open complaint however, there are new alerts added to my credit impacting my score such as XXXX XXXX. I have been disputing the inaccuracies on my credit report XX/XX/2022 and I am still struggling with the same dilemma. This is hindering my opportunity of homeownership. I have been researching the FCRA believing that it works in the favor of the consumer as long as the proper work is done thoroughly. I'd asked the credit bureaus to " investigate every piece of information '' on my accounts I have listed below. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. I have asked respectfully that Id be provided with proof of the disputed item specifically any contact note, court document, or any instrument having my signature. If they fail to do this then I expected, according to the law, that the items would be deleted within 30 days, but this has been ongoing since XX/XX/2022. The credit bureaus stated my account was verified but how is that possible if they did not do a proper investigation according to the law. I recently accessed a new credit report and found the same and similar discrepancies which means every piece of information on these accounts are still not 100 % accurate according to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report still showing inaccuracies. Account # : XXXX XXXX -XXXX XXXX XXXX, XXXX  XXXX -XXXX XXXX -XXXX XXXX XXXX # XXXX -XXXX  XXXX XXXX XXXX ( this new item added to my credit report even asking for proof, getting no response ) and -XXXX XXXX XXXX XXXX # XXXX ( Correct the status-account is open ) XXXX XXXX XXXX XXXX # XXXX. These items are having a huge negative impact to my score and is depressing. In addition, I still have personel on my credit reports that are not mine and Ive asked that it be removed : XXXX XXXX XXXX Apt XXXX XXXX, VA XXXX. The correct spelling f my name : XXXX XXXX XXXX XXXX Employment Information : XXXX, XXXX ( Ive never worked with this employer )
Consumer complaint received 2017-04-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (TX)

My student loans were taken out in  XXXX . I thought once they wer e 10 years old the y are not suppose to take them. I never got to use the skills I went to school for and I have been a single mother barely working. I a have been homeless 3 times since  XXXX , I received deferments and forbearance they knew I was a low income household and was struggling with no help from my children 's father.     They still took my income taxes two years in a row and still show that I owe them. Please help stop the harassment I am dealing with.     Thank you for your attention to this matter.    XXXX   XXXX
Consumer complaint received 2024-10-25
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have disputed these collections several times with XXXX, Equifax and XXXX and they refuse to remove the accounts off of my credit report for the account numbers XXXX, XXXX, XXXX. I have advised all bureau 's that this hospital refused to use to pregnant medicaid provided to me by the state at the time of nmy XXXX and issued these medical bills through the employer I no longer worked for as i was too ill to work and terminated my employment. These medical bills were processed fradulently and I request that they are removed immediately. Medical covered for my XXXX medicaid provided by the state of florida can be verified through the state or as requested. I am requesting all late fees and all XXXX account be removed.
Consumer complaint received 2023-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I believe I almost paid off the principal on the mortgage. I owe the bank the deferred money from the Covid crisis. it was around {$4000.00} and it's now XXXX XXXX. The bank refused partial payment and asked for full payment of the deferred amount. The bank wanted to discuss this issue over the phone and refused to put anything in writing, while on the phone they talked about " Mortgage Modification '' and tried to fill out an application by asking personal questions, but I refused to apply for a mortgage modification. The bank insists there is nothing they can do and I have to pay the full amount. 
I filed a similar complaint on XXXX, XXXX and the CFPB computer closed the complaint and never contacted me.
Consumer complaint received 2024-10-25
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. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

Had to put alerts on my credit reports now I can not access Experian and can not reach them by phone to find out why their report is not showing up. I have called their number and there is no option to speak so anyhone, it is all automat4ed and the option I needs I not there. I am trying to possibly refinance with lower interest rate but need access to all XXXX credit reporting agencies for this company to see if I qualify for a particular type loan.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I am not liable for this debt with CREDIT COLLECTIONS SERVICES. I do not not have I ever had a signed contract with this collection agency trying to collect and who are reporting information to my credit report. They did not provide me with the original contract as requested.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On XX/XX/XXXX, I discovered that Bank of America debited my account twice for payment of my bill ( {$1000.00} ). I checked my prior bank statement and discovered that Bank of America also debited my checking account twice XX/XX/XXXX to pay my bill ( {$760.00} ). I contacted Bank of America, and was told that my account did not reflect double payments. I contacted XXXXXXXX XXXX XXXX XXXXXXXX and they provided trace numbers for all XXXX payments. I provided the trace numbers to Bank of America. No refund was issued to my account so on XX/XX/XXXX, I contacted the Bank of America again. I have talked to XXXX different associates or managers at Bank of America and there is still no resolution. Yesterday I was told that the extra payments were credited to my XXXX XXXX XXXX  account and they needed his permission to take the credits out of his account before they could refund the {$2400.00} to my account. We tried to reach him, but he did not answer. The Bank of America XXXX ( XXXX XXXX in XXXX, NY ) told me she would try to call my XXXX  back. No one called him. I contacted him and he offered to give me a check for the {$2400.00}. Now I have decided to accept his offer because when I called the Bank today, the first associate ( XXXX in South Carolina hung up on me ; the second associate ( XXXX in South Carolina ) said I needed to speak to her XXXX ; and the third associate ( XXXX XXXX said I needed to get my XXXX  on the phone to authorize Bank of America to debit his account for the {$2400.00}. I could not get him on the phone, and XXXX hung up. He did not attempt to call me back. I have spent hours trying to resolve this and I give up. I have given the Bank all the information it needs to return the {$2400.00} to my account and I am tired of hearing excuses about why they can not give me the money. They took the money without authorization from my account and were grossly negligent in crediting the extra payments to my ex-husband 's account. Bank of America XXXX XXXX and penalties if XXXX is XXXX day late with a payment so I put my account on autopay, and now I am paying the priceXXXX XXXX XXXX XXXX XXXX If I charged them at my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Bank of America XXXX XXXX me at least {$8200.00}. I have never seen such complete incompetence from a bank. I intend to get the money from my XXXX  and will repay him if Bank of America ever gets around to debiting his account. As soon as this is resolved, I will pay my balance and close my account. I hope you will investigate Bank of America so no one else has to endure what I have endured. Its telephone tree is a hassle. Each time one calls, one has to start over explaining the issue. I am voting with my feet. I will never do business with Bank of America again.
Consumer complaint received 2024-10-25
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)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (HI)

In XXXX of XXXX  I made a payment of {$20000.00} to my student loan servicer ( EdFinancial ) to fully pay off my student loans. In XXXX I checked my credit report and it still showed loans through EdFinancial with outstanding balances ( total of {$3900.00} ). When I logged into my EdFinancial account there were loans that still showed balances, but there was also a loan that showed a negative balance due - {$3900.00}. 
When making payments to EdFinancial the default option is to let them automatically allocate the payment based on either highest amount or highest interest rate. I believe I chose amount, but it should not have affected me as this was a full pay-off. 
I attempted twice to email EdFinancial during XXXX, and on the XXXX of XXXX I called their customer service phone number. The estimated wait time was XXXX ( XXXX XXXX and XXXX XXXX ) minutes - over SIX HOURS. 
I do not have the time to wait on hold for 6 hours, on a weekday, to tell EdFinancial about a mistake they made. 
Interest on federal student loans also resumed starting XX/XX/XXXX, and because my payment was not allocated correctly by EdFinancial, I believe that they are charging interest, hence the higher balance owed than is negative on the overpaid loan. 
Along with this EdFinancial changed their website and user system recently, so full payment history and records are not available.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-06-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (AL)

XXXX offered a XXXX loan, but you get only XXXX at first and XXXX is held in escrow. You have to make biweekly pmts towards this loan, but you are not given the full amount and I had to pay off the full XXXX. I realized that this is deceptive and predatory lending and decided to cancel it immediately.
Consumer complaint received 2017-11-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NH)

XXXX and Equifax refuse to remove the three accounts on my credit, XXXX removed them already. XXXX REMOVED ALL EDUCATION ACCOUNTS BECAUSE THEY ARE NOT MINE! They belong to my aunt with the same exact name as me by marriage! Remove or Im getting a lawyer!
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (FL)

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 has violated my rights. 

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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (GA)

To Whom This May Concern : My name is XXXX XXXX XXXX. According to the law, you have been violating my rights. Per FCRA as a federally protected consumer, I am now opting out of ALL AUTHORIZATION, I the consumer, may have given you written, unwritten, verbally, and non-verbally per 15 USC 6802 to report anything to anyone or any agency for ANY and ALL reasons. All reported items without my written consent is considered IDENTITY THEFT per 15 USC 1681b ( 2 ). Thank you for your cooperation. 

Respectfully submitted, XX/XX/year> XXXX : XXXX
Consumer complaint received 2023-07-06
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-08-22
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: VANDERBILT MORTGAGE & FINANCE, INC (TN)

We have been in. Financial hardship for the last 15 months due to a business loss- we applied for loss mit earlier this year and were approved in XXXX. however we lost the funding, since then we have applied again after receiving mail stating we had options. Email from XXXX says they will not process another packet - proof attached Our most recent loss mit application has been ignored and our servicer is continuing with a foreclosure sale date- ee have applied 2 outside agencies to help us.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Due to a update of my credit report to all three credit bureaus. I founded numerous inaccurate/unauthorized fraudulent accounts. 
That are in violation of FCRA. 
15 USC 1681 Section 602 States I have a right to privacy.

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

15 USC 1602 The terms : ( h ) " credit sale '', ( i ) " consumer '', ( j ) '' open end credit plan '' and " open end consumer credit plan '', ( p ) " unauthorized use ''  15 USC 1611- Criminal liability for willful and knowing violation ( 1 ) gives false or inaccurate information of fails to provide information which he is required to disclose under the provisions issued thereunder. 
Neither bureaus ( XXXX, XXXX and Equifax wasn't willing to accept my proof by phone or mail. That's why I'm submitting a letter as exhibit A. and exhibit B. is a complaint to FTC in Identity Theft ....

Thanks In Advance!!!!
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.