davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the addresses I do not recognize are continued here. 
XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX
Consumer complaint received 2023-03-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (FL)

I have had 3 accounts with MySynchrony. Two of them I paid off entirely and paid at least double the credit for both of them, around {$2000.00} each. 

The third was a Synchrony Credit card, which I made several payments to, but could not keep up with, especially with the interest accrual. 

Synchrony forwarded the debt to a debt collector, which erroneously filed a lawsuit against me in New York, serving the lawsuit to my parents house in XXXX, NY. 

I informed Synchrony and the credit collection agency that I have not lived in New York for several years. Synchrony said when the account was returned to them, they would contact me about settling the debt. This was in XX/XX/XXXX. 

This month, XX/XX/XXXX, I received notices in the mail from debt relief agencies that I have had a lawsuit filed against me by MySynchrony for this debt in Florida. I never received any lawsuit, even though I provided MySynchrony with my current address in my correspondence with them in XX/XX/XXXX. I also followed up via email with XXXX, from the company 's Office of the President who I had spoken with by phone and email and she never replied after I had spoken to the credit collection agency in NY. 

I have made efforts to directly negotiate a settlement with MySynchrony, instead they've ignored me and had a collections agency file a lawsuit that I never received, and have only been informed of because my current address was somehow provided to debt relief companies.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I previous wrote all three credit bureaus asking that bankruptcy be removed from my credit report I also wrote XXXX  XXXX bankruptcy court asking do they report to the credit bureau they sent me back a letter stating that they do not report to the credit bureau. Under the FCRA act law this is a violation Im asking for it to be removed immediately
Consumer complaint received 2020-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I am writing because FedLoan is refusing to process my IDR recertification in a timely manner creating the unnecessaryrisk that their inaction will cause me to lose several months of PSLF payments. Again. FedLoan confirmed receipt of my latest IDR recertification on XX/XX/XXXX. A few days later, on XX/XX/XXXX, FedLoan sent me an email ( attached ) telling me that my IDR recertification was " on hold '' and would not be processed until after XX/XX/XXXX. They then said : " Once we have processed your request, we will send a follow up email detailing your monthly payment amount or if we were unable to process your request. '' The problem with this is that the new payment will be in effect for the month of XX/XX/XXXX. By waiting until the last minute to process my request, FedLoan will prevent me from having adequatetime to challenge the amount requested ( if needed ) or to respond if FedLoan announces that they are " unable to process my request. '' This unnecessarydelay creates an unnecessaryrisk that I will lose payment months towards my PSLF while we potentially argue about the new payment amount. To be clear, this is EXACTLY what happened during my last recertification. I'm including the following details about my prior recertification because I endured the exact problem I'm trying to avoid this time : I filed my prior IDR recert on XX/XX/XXXX. My new payment amount was to take effect in XXXX. FedLoan put my IDR " on hold '' and ignored it for XXXX and XXXX On XX/XX/XXXX they approved my IDR recert and announced my new payment amount. There was a problem with the new payment calculation, but because FedLoan had failed to process it in a timely manner, I then had almost no time to challenge it before the payment was due. As a result I lost THREE months of PSLF payments while I argued with FedLoan about my IDR payment. Had they processed my recert in XXXX when I submitted it, we could have worked out the problems before the payment was due in XXXX. XXXX NOTE : I did file a CFPB complaint on that and, as a result, FedLoan allowed a single, retro PSLF payment so in the end I missed TWO months of PSLF payments. Complaint # XXXX ) It must be acknowledged that borrowers receive the request to submit their IDR recertifications THREE months before the new payment cycle specifically in order to allow FedLoan to process it in advance. FedLoan is improperly delaying these requests and their delays are negatively impacting those of us enrolled in the PSLF program. Please direct FedLoan to process my IDR recertification immediately.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MN)

I received a release of IRS and Minnesota Revenue tax debt by filling out innocent spouse forms and this debt was from my ex husbands business in which I just signed the tax returns at the end of the year. His business was never in my name. I believe the tax debts that were released from me should not be on my credit report at all being that it was never my debt and the IRS and Minnesota Revenue released me from these debts.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balanced {$0.00} XXXX XX/XX/year>
Consumer complaint received 2020-01-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUMMIT FUNDING, INC. (CA)

I had a conventional mortgage. Each time I was curious about my payoff amount, I had to email the payoff department for that amount and each time I was charged a {$30.00} fee for this information. I find this fee excessive and predatory. Why should I have to pay money for a loan that I already pay dearly for? In this loan with Summit Funding I paid well over {$120.00} for payoff information. I did not request the demand letter but that was the only option offered with this group. I am tired of the consumer always being taken advantage of in these situations. I told my lender that I did not want to pay this fee, that I would send them money in excess of what I owed and they could send the over payment back to me so I could save {$30.00}. It was not an option. Additionally to make the final payment required other forms of transactions that came with bank charges to wire the money vs taking it from the same account that they have received payments for years. This is criminal. I want resolution to this criminal behavior from banking institutions that make money off of us at every corner. I look forward to your assistance with this issue. I will commit my retirement day to fighting for the consumer in these situations. It has to stop now.
Consumer complaint received 2024-10-07
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. (AZ)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVER WORKED AT THIS EMPLOYMENT XXXX XXXX XXXXXX/XX/XXXX I NEVER APPLIED FOR THIS XXXX XXXX  NEVER WORKED AT THIS EMPLOYMENT
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct or remove the following inaccurate items in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-16
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. (FL)

Dear Experian I am writing to dispute the validity of a debt that your company is attempting to collect from me. This letter is a formal validation request under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ).

I am requesting that you provide me with the following information : 1. The original creditor 's name and address.

2. The amount of the alleged debt.

3. Verification of the debt, including any documents that prove I owe the debt.

4. A copy of the original contract or agreement that created the debt, if applicable.

5. The date the debt was incurred and when it was assigned to your company.

6. A complete payment history showing all payments made and any charges or fees added to the account. 

I am also requesting that you cease all collection activities until you have provided me with the requested information. Please note that failure to provide this information within 30 days will result in my assumption that the debt is not valid and must be removed from my credit report. 

I would also like to request that all future communication regarding this debt be done in writing and sent to the address listed above. I do not wish to receive any phone calls regarding this matter. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified timeframe. 

Sincerely, XXXX XXXX XXXX XXXX All rights reserved XXXX
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I checked my credit report using XXXX XXXX and saw that I had multiple accounts, credit inquiries, collections accounts and different addresses. Some of them from places I have never lived or know anyone who lives there. Most of them are student loans from Department of Education/XXXX although I have never taken out a student loan. I went to school as an XXXX  student and could not take student loans. I paid for my education out of pocket. These loans have accounts that were opened as soon as XXXX and I have been done with school for at least 5 years now. There are also multiple inquiries and collections accounts from companies I have never received services from or have accounts with. This is the fraudulent information in my credit report ; DEPT OF EDUCATION/XXXX   XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX   XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-08-27
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. (ND)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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: Nelnet, Inc. (MI)

I HAVE DISPUTED THE INACCURATE CREDIT REPORTING WITH THE CREDIT BUREAUS AND NELNET. THEY DO NOT HAVE COMPLETE REPORTING OF MY CREDIT HISTORY. IT IS MISSING THE MAJORITY OF MY ONTIME PAYMENTS. NELNET HAS ALSO REPORTED ME LATE MORE THAN 10 TIMES SINCE THE PAYMENTS HAVE BEEN DEFERRED SINCE THE PANDEMIC. THERE HAS BEEN NO PAYMENTS DUE YET THEY HAVE REPPORTED MANY LATES TO MY CREDIT. THEY ALSO HAVE PRIOR LATES ON MY CREDIT AND DID NOT PROVIDE ANY PROOF OF THESE LATE PAYMENTS. MY LOANS HAVE BEEN DEFERRED SINCE I GOT THEM. NELNET SENT ME A PROOF LETTER THAT STATES THAT I WAS NOT LATE, HOWEVER THEY HAVE REFUSED TO UPDATE MY CREDIT REPORT TO SHOW THIS. I HAVE BEEN DISPUTING THESE LATES FOR MORE THAN 120 DAYS TO NO AVAIL. I HAVE INCLUDED THE LETTER FROM NELNET BELOW NELNET LOAN SERVICES, ACCOUNT XXXX, XXXX, OPEN XX/XX/ NELNET LOAN SERVICES, ACCOUNT XXXX, XXXX OPEN XX/XX/
Consumer complaint received 2024-10-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I attempted to withdraw my money from the savings account and the checking accounts on XX/XX/XXXX XXXX but my request was denied even though the account has sufficient funds at the time until they date and there was no explanation provided for the refusal.I reached out to the bank customer service but they couldnt not a satisfactory reason and referred me to the branch and there is satisfactory response from the branch as well. This has caused me significant inconvenience. As I need my funds in full from my savings and checking accounts to pay my rent my bills. I am seeking an immediately resolution to regain access to my funds and an explanation for the refusal I expect the bank to lift the restriction on my accounts and provide compensation of what caused to me for about a month for my damages incurred due to this issue I would like an immediately access to my funds to withdraw my funds I was also a compensation to the damages and I have experienced emotional distress because I was unable to access my funds because of the bank refusing to let me withdraw my money and I am seeking compensation for these financial damages and distress as well as for the inconvenience this situation has caused to me because I am unable to access my funds needed for essential expenses like my bills groceries and rent for about XXXX $ compensation from the Bank of America
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

I filed a complain with CFPB XX/XX/XXXX CFPB XXXX. 
CHASE reference number XXXX Chase has once again denied my claim on XX/XX/XXXX. stating CFPB XXXX stating " customer advised PIN was written down in your wallet that you stated was lost '' I never said I had the pin written down anywhere, their representative " suggested '' and I said " Well no!, I have a code system that I can only decipher '' There is NO WAY people are able to know those specific codes because the ACTUAL PIN number WAS NOT written anywhere in my wallet. I had no problems with my other credit card companies and XXXX bank, they saw unauthorized transactions did in fact happened. clearly saw I was a victim of credit card fraud. 
If a reasonable instigation was conducted by Chase. They would have found, the fraudulent transaction doesnt match my purchasing pattern, such as types and amounts of purchases, with the consumers previous purchases. purchases/ withdrawals were not made relative to the my address and typical shopping venues Therefore, Id like to request a proper reasonable instigation, on said dispute said transaction, XXXX terribly dissatisfied with Chase handling my case. 

Briefly, Id like for Chase to please correct the error on my account promptly.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

Experian is in violation of FCRA 15 U.S.C. 1681, 611 ( a ) ( 6 ) and ( 7 ). They continue not to investigate the inaccurate information that they are reporting on my credit file. They have not provided me with Physical evidence as to who, what, where they are getting this inaccurate information. They merely are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. This is my final attempt before I am forced to pursue litigation in my local circuit court. I have provided Experian a description of each inaccurate account and case law surrounding what FCRA laws there are to abide by, which they have not been doing. This is my final amicable attempt to resolve these inaccuracies.
Consumer complaint received 2017-04-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Moss Law Firm, P.C. (TX)

This collection account refused to validate my account. I sent documentation they ask for in order for them to send validating paper to me and they sent letter saying they do n't have time to validate collection account. Document of letter of what they sent me
Consumer complaint received 2016-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Vermont Student Assistance Corporation (VT)

I was unable to make the payments due to low wages for my job choice. I defaulted, brought the loan out of default paid on and off, took many forebearances, adding interest to principal. Since I was unable to make the payments, I believe the lender ( VSAC ) should not have provided all these ( 17 years worth ) forebearances, making my debt even less affordable. I borrowed {$30000.00}, paid back the expected total amount of the loan, but not on the originally anticipated schedule. I now owe, according to the nonprofit lender, an additional amount over {$60000.00}. But, I did make enough payments to pay the total amount I would have paid had I paid on time. I feel this type of situation is not much different from what payday lenders and their ilk do- force people into further debt. Somethings should be done to stop this and allow me at XXXX years old to get this " debt '' behind me.