davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lending Club Corp (NV)

To whom it may concern, I had applied for a personal loan with Lending Club back on XX/XX/XXXX. I received an incorrect notice of adverse action due to not providing the information requested ( copy of XXXX W2 ). At the beginning i would call every day to request status of my application. It took then about 1 week to give me a the initial needs list. All items were provided within 2 weeks from requested. On XX/XX/XXXX I received a call from Lending Club inquirinf about the status of the items which i had explained were provided then the agent stated that they were pending my XXXX tax returns? To what I explained that I did not have them since the year was not over and there was no way I would have taxes for this year yet, i kept calling everyday to inquire about status to what I had been told it was in line to be reviewed and I finally received my notice of adverse action due to a missing W2 of a job that i had started this XX/XX/XXXX as listed on my application I asked for my application to be reistated and my loan be looked at as a rush to what I was told it was a mistake and that i needed to re-apply, since there was no way they were going to bring my application back alive. If they had contacted me to ask about the w2 i would have explained that there was no w2 available on a job that I had recently started. I feel my application was overlooked and not treated with equality as other customers. Im very much disappointed with this creditor.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SD)

On XX/XX/XXXX, knowing my statement would " cut '' on XX/XX/XXXX, and wanting to close this account, I contacted XXXX and requested to close the account, requested they close the account by applying the {$300.00} security deposit they were holding to the account and I would pay the remaining {$21.00}. They did nothing. On XX/XX/XXXX ( the due date for my payment ), I logged in, paid the {$21.00}, and again called them. The representative verified she could see my pending payment of {$21.00}, but stated ( after all the XXXX they hold you hostage to listen to first trying to " save a customer ) it would take XXXX days for the deposit to be applied. I stated this was UNACCEPTABLE because they would then end-up reporting to the credit repositories a balance of {$300.00} with a credit line of XXXX ... this would ADVERSELY effect my utilization rate for XXXX score purposes ( As shown on the attached, they are reporting me at 85 % utilization on the card -- -ABSOLUTELY FALSE!!! I stated they needed to report it XXXX of XXXX ways : XXXX ) A balance of {$300.00} with a credit line of {$350.00} ( since technically, until they applied the deposit, the account was still open ), OR XXXX ) a balance of XXXX with a credit line of XXXX. They did neither ... they reported a balance of {$300.00} with a credit line of XXXX. They have since applied the security deposit, but that does nothing for now ... If their system can pile on a late fee, etc in a split second, their computers should be able to transfer the security deposit equally as fast. This is TOTALLY UNACCEPTABLE, especially considering the entire idea of their secured card ( which I no longer needed ) is to assist establishing credit. Also, as a result of my utilization ( at least in part ) my Experian score now dropped XXXX points. Yes, in XXXX it will " straighten out, '' but that too is unacceptable! Their is an accounting principle called " matching. '' They need to keep things in-line and they are NOT doing it! I am also filing a dispute with Experian!
Consumer complaint received 2023-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WA)

I have an education award through XXXX that covers my loan repayment. I requested my education award to be applied to my loans. The status on XXXX says it's pending institution action and it's been that way for over a month. I made my request on XX/XX/XXXX. It's been over a month and EdFinancial still hasn't accepted it. I emailed EdFinancial to ask how I could streamline the process and I haven't gotten a response. I've tried calling but I am met with long hold times. My grace period will come to an end soon ( XXXX XXXX ) and it worries me severely since I have the scholarship to cover my loans but it won't apply until EdFinancial does something. If my problem isn't resolved in the next week I will take legal action.
Consumer complaint received 2023-06-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Here is a copy of the email I just sent to customer support at 1800Loanmart.com : Hello, Im writing because my disputes thru credit bureau didnt respond as I was hoping. I settled my account ending in * XXXX on XX/XX/23, by paying the agreed upon XXXX XXXX and was told settlement papers were being emailed to me, by XXXX. She called back and said she couldnt get through my email and was sending the papers through the mail. A few weeks later, the same person called back and said she forgot that she said she would send thru the mail and that she would do it that day. I have not received any paperwork as agreed, and my loan Amount is now acruing interest again, hurting my credit! Im very upset about this, as nothing has occurred that was in our verbal agreement to settle this case. My remaining interest was supposed to be erased and the account deleted off my credit reports. Please respond to my request to fix this immediately, as I Am filing a complaint with the consumer credit bureau as well to make sure its addressed. My phone number is XXXX, and my address is XXXX XXXX XXXX XXXX XXXX CA XXXX, United States. 

Please get ahold of me ASAP. Thank you. 

XXXX XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Please assist in deleting these items from my credit report XXXX days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-07-15
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. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-07-15
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: Experian Information Solutions Inc. (GA)

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 XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

15 U.S. Code 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I want to start by saying thank you for looking at the items I sent in for investigation. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all XXXX credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts : XXXX XXXX XXXX XXXX  Actions : Please remove the late payment from this account and update the account as paid as agreed. 
XXXX XXXX XXXX XXXX XXXX XXXX Actions : Please remove the late payment from this account and update the account as paid as agreed. 
XXXX XXXX XXXX XXXX XXXX Actions : Please remove the late payment from this account and update the account as paid as agreed. 
XXXX XXXX XXXX XXXX XXXX  Actions : Please remove the late payment from this account and update the account as paid as agreed. 
I understand the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance with FCRA, Section XXXX A through D, you are supposed to let me know who you verified with. In my original investigation request sent I asked you to delete anything that is not XXXX percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, updating the other accounts is an admission of guilt and a direct violation of my rights to a fair investigation. You stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance with Section XXXX due to the inconsistencies coming after my original request for investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.
Consumer complaint received 2020-06-10
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. (NJ)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-15
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. (OH)

I am writing to express my deep concern regarding the inaccuracies present in my credit report. On multiple occasions, I have raised issues concerning disputed accounts and have consistently requested thorough investigations. Despite my persistent efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and are causing significant disruptions in my life. The negative impact of these inaccuracies has led to immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation promptly. 

I kindly request a thorough investigation into the reporting of each disputed account. It is imperative that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-15
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. (MN)

XXXX XXXX XXXXXXXX this account was opened XX/XX/year>. 
Since then the account balance has continuously been updated. This is an update in payment history. This inaccurate information falsely manipulated the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following my accounts.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts 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/updated.

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.

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!
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: EdFinancial Services (TX)

We have a XXXX loan we need lower payment on. Weve tried on line but need to speak with Edfinancial representative to get some some questions answered. We called XXXX approximately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE VOICE MAIL RECORDING CUTS OUT AT LEAST XXXX XXXX XXXX times before it recycles to finally understand what number you have to push. The XXXX call had a waiting time of XXXX minutes and the XXXX  call has a waiting time of XXXX minutes. We had not received a call from our XXXX  call as of XXXX. You should call the Edfinancial phone # XXXX XXXX and listen to the ridiculous answering mach voicemail recording.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

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. 
Account name : XXXX XXXX XXXX Acct # XXXX and Acct # XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible
Consumer complaint received 2024-07-15
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 have received your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what your intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this fixed and these accounts deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX XXXX XXXX XXXX and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX XXXXXXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2023-07-07
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. (TX)

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 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.