davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
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)

Upon reviewing my credit report, I discovered several inaccuracies. The three credit bureaus are required to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permissible to report unverified information without providing proof within the legally mandated timeframe. The following items need to be investigated and corrected for erroneous reporting : 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 2023-03-25
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: NAVY FEDERAL CREDIT UNION (VA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 agency can not furnish an account without my written instructions.

15 USC 1666N : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for a purpose.
Consumer complaint received 2024-06-21
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. (ND)

I am writing to formally file my complaint regarding the incorrect reporting of a late open account on my credit report. Despite multiple attempts to resolve this issue through direct communication with the credit reporting agencies and the creditor, the error remains unresolved. Accurate credit reporting is critical, and the continued presence of this error is causing significant harm to my creditworthiness and personal stress. Despite my repeated efforts to correct this mistake, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). I am relying on on you to intervene and ensure this inaccuracy is rectified promptly. Given the persistence of this error despite my efforts, I am seeking for your assistance to : 1. Conduct a thorough investigation into the reporting of this account.

2. Ensure that the credit bureaus and the creditor involved take the necessary corrective actions to accurately reflect the account status as closed with timely payments. 
3. Provide a clear resolution and timeline for the correction of this error. 
Please help me correct the account right away : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5300.00}.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-21
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. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-21
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. (NY)

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with the company and i 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 MONTHS REPORTING LATE 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.

This company 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 2024-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

XXXX said my XXXX debt was being transferred to XXXX on XX/XX/year>. The transfer still has not taken place, and I have no way to pay my monthly student loan bill. When I tried to call XXXX ( on several occasions from XX/XX/year> to today, XX/XX/year> ), XXXX 's phone system does not offer anyway for me to speak to a human and just keeps asking for my ss and birthdate on a continuous loop. My payment is past due now. I've spent several hours trying to figure out what's going on without receiving any communication from XXXX.
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (VA)

I contacted EdFinancial via their web form on XX/XX/XXXX. I had not heard anything by XX/XX/XXXX, and called their support line. I was informed that they had not started processing my online request but that they could go ahead and send this for review for my XXXX deferment to be applied. I have continually checked and around the middle of XX/XX/XXXX, I called their support line and informed them that the XXXX deferment had only been applied to one of my loans. The agent I spoke with informed me that they had re-sent the request. As of today, XX/XX/XXXX, this issue is still not fixed and I have requested supervisors to call me back but no one has. I am showing severely past due on my loans due to this administrative error that EdFinancial made. I called in again this morning and was told the original request was never processed and that they were placing it into emergency status. I now have one previous loan in deferment, and my new XXXX loans show as in deferment. The loans in between are still showing as past due. I am told they will fix this issue in 3-4 business days because it has escalated in their system.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

Everytime I make a payment they send me emails saying it will be processed and they thank me for it but then a few days later without any notice the payment reverses and then I fall behind because they fail to tell me. I have plenty of money in my account to cover these expenses and my bank doesnt have issues as I have already been in contact so it leads me to believe that this has been done on purpose. I have researched and have found many people having a similar issue!
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (OH)

My loan was forgiven XX/XX/23 based on the IDR adjustment per the Department of Education and the XXXX XXXX. According the the discharge email and 2 calls to my servicer ( EdFinancial ) I am due back {$4500.00}. I have submitted two complaints to the Department of Education ( via studentaid.gov ) with the first being in XXXX of XXXX. No reply. I have called the servicer again and they have confirmed they have sent the info for repayment of the overage to the Department of Education. Its now been more than 5 months. I can not get ahold of a clear answer on where the refund stands. Can anyone help?
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

For the past XXXX months I've been making payments through edfinacial services but everytime I've made a payment online the payment always gets reversed for no reason. I've called them many times but every time I ask them they always say " I don't know ''. They said twice to call your bank. I called XXXX and they said all the bank info I've given them information is correct and that it's definitely edfinancial 's fault. The only somewhat effective payment strategy that I've done is debit card payment over the phone. However, even though they recieve the money because the method is auto allocate only the payment only ever goes to the first XXXX loans. Thus, I contiously end up with a past due amount on my other XXXX loans. I've recently made a payment online toward the past due amount. Right now it says they recieved it but I'm worried that either tomorrow or within the next few days it will once again be reversed for no given reason. Accoarding to my bank I'm being puinshed for their mistake.
Consumer complaint received 2024-09-05
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. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Sterling Credit Corp. (WI)

I submitted a letters asking for a complete investigation into the accounts on my credit profile. I am a victim of Identity theft. I have sent my Identity theft report and affidavit in several times and the credit bureaus are not following the law. The accounts were placed on my account fraudulent, I also asked for an update of my personal information due to fraudulent information making it hard for me to pass identity questionnaires.

I submitted 15.US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information.as well as a debt validation which included ; explanation of account A copy of state license, license # Documentation stating I agreed to pay this debt with my signature and documentation stating I gave permission to use my information.

Original Promissory Note ChIn of custody for account Master bill of sale
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lincoln Financial Services (CA)

I AM A VICTIM OF IDENTITY THEFT. I HAVE TRIED NUMEROUS ATTEMPTS TO REACH OUT TO XXXX BY PHONE AND ON THEIR OFFICIAL WEBSITE TO CORRECT THE INACCURATE ITEMS ON MY CREDIT PROFILE. I HAVE SENT OVER THE REQUESTED DOCUMENTS A FEW TIMES FOR DISPUTED ITEMS AND WAS TOLD THEY NEVER RECEIVED IT! SINCE THEN I HAVE TRIED AT LEAST 5 TIMES TO UPLOAD THE DOCUMENTS ONLINE AND NOT ABLE TO COMPLETE THE PROCESS. ALSO SAME ITEMS THAT I DISPUTED WITH XXXX AND XXXX ARE DELETED BUT XXXX REFUSED TO DELETE. THE FUNISHERS ARE : XXXX AND LINCOLN FINANCIAL SERVICES. BASE ON THE LAST REPLY ON MY RECENT COMPLAINT ON XXXX. THEY HAVE NOT REMOVED THE INACCURATE INFORMATION ON EACH A D EVERY CRA 'S AS PROMISED! I HAVE CALLED 3 TIMES AND WAS TOLD THAT THEY ARE WORKING ON IT! I HAVE ALSO ATTEMPTED TO REACH OUT TO LINCOLN FINANCIAL SERVICES AND NOTHING WAS DONE AS AGREED. I AM BEYOND FRUSTRATED AND DISAPPOINTED ESPECIALLY WITH XXXX! IT IS EFFECTING MY ABILITY TO OBTAIN CREDIT, LOANS, AND ASSISTANCE FOR MY HARDSHIP THAT XXXX EXPERIENCING AT THE MOMENT. THE MENTAL AND EMOTIONAL STRESS THAT IT HAS CAUSED IS OVERWHELMING AND EFFECTING MY WELL BEING. Please help and advise what to do resolve this matter.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

I have called repeatedly to try and make an online account but my security questions will not be generated. The first couple times I called chexsystems they just sent me to a third party company ( XXXX ) who refused to take my information down so that chexsystems could use that information to generate questions. XXXX told me that all I have to do is call Chex systems and ask for a supervisor to do manual verification, so that's what I did. Chexsystems told me twice that they were not processing manual verifications " at this time '' or " for the time being '' and that there was no way for me to get my report when I am out of the country.
Consumer complaint received 2024-10-03
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (PA)

TDRCS/XXXX refuses to answer a phone ( they put you on hold for hours and nobody picks up ) and their website has NO forms to complete to contact them about your account. 
See for yourself - https : XXXX XXXX for yourself - XXXX Try for yourself repeatedly for several days, let your phone be on hold hearing their hideous hold music and find out for yourself that this company either needs to be sold off to another financial institution or be permanently closed because this is NOT helping people resolve issues. 
My specific issue is that they have inaccurately reported to credit bureaus and I need to notify them of their errors. 
I dont know what teeth you have, but these people must be held accountable and face consequences for refusing to take care of their clients. 
Please advise if you have any further suggestions on how to have this company face justice. 
Respectfully submitted, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Subject : Request for Debt Validation and Assignment of Contract To Whom It May Concern, I am writing to request validation of the debt referenced under account number [ XXXX ]. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) as stipulated under 15 U.S.C. 1692g, I am requesting that you provide me with the following information : Proof of the debt : Please provide me with a copy of the original signed contract or agreement that establishes my responsibility for this debt. 
Assignment of Contract : Please provide a copy of the assignment of contract, showing that the current collector has been legally assigned or purchased the right to collect this debt from the original creditor. 
Until I receive this verification, please cease all collection activities, including reporting this debt to any credit reporting agencies. According to 15 U.S.C. 1692g ( b ), I am entitled to dispute the validity of the debt, and I request that the information about this debt be removed from my credit report if you are unable to provide the requested documentation. 
Please send your response to the address listed above within 30 days of receipt of this letter. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

was made aware recently of my information was a part of the XXXX XXXX XXXX and since then I have had over XXXX Fraudulent accounts appear on my credit report. I have XXXX reports still showing on my credit report dispute my attempts to dispute the items myself. The following derogatory account was not opened by me and is reporting inaccurate information on my credit report. This account is having a significant impact on my financial wellbeing and should be removed from my credit report immediately. 

Portfolio Recovery LLC- XXXX
Consumer complaint received 2024-10-09
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Shepherd Outsourcing, LLC (CA)

I was on the phone with XXXX XXXX and I expressed concerns about whether or not this was a legitimate phone call because the number who was calling me was different from the number listed on their website ( common tactic apparently ). After expressing my concerns, the supervisor who was on the line said, " Sir I know everything about you, your social is *** ** **** and your current address is ***** XXXX XXXX, ******* California ***** ''. She said both my social security number and home address out loud in a call center where other people could hear and possibly compromise my identity. With this information, someone can easily compromise my identity. 

In my entire life, I have never heard a company verbalize my full social security number. Most companies say, " can you please verify the last 4 of your social security number? ". But not this agency. This agency decided to play by their own rules and make me extremely uncomfortable as a consumer. 

I want a phone call apology. I want to know that this will not happen again and that the agent knows they are in the wrong. I am sick of how this company treated me. I paid my debt off with them and they still won't apologize for potentially compromising my identity. 

Please let me know next steps. Thank you, XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These issues include inaccurate account listings, multiple unauthorized inquiries, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TN)

Ive held a Chase Sapphire account plus several others for over 10 years and been in good standing. Recently I had utilized my card for a large purchase and carry the balance while making payments. On XX/XX/XXXX after making a {$4600.00} payment in full I received a decision letter and notification in the mail on XX/XX/XXXX lowering my balance from $ XXXX {$500.00} Punitively. There was no credit poll on my account and the review says that it is based on the following reasons credit usage is high, history of low payments relative to balance, credit account balances have increased and time since recent account open is short. 

All of these reasons as they relate to this card are invalid. The credit usage is XXXX as I paid off the full amount. The history of low payments relative to balances the minimum or slightly over were made each month on time, credit card balances have not increased but in fact decreased to XXXX and the time since a recent account open is 10+ years on this account. 


Well it additionally states that they used XXXX to make this credit based decision theres really no additional information provided there. I do however have XXXX triple credit monitoring and Im diligent about monitoring my credit. 

As this drastic change in available credit will affect my score nearly the same as closing this account I have opted to close this account. The only option Chase provided was that I undergo an additional review, an additional credit pool which would have impact on the credit report itself and took into account no loyalty length of The relationship or the other accounts that I have. 


In addition to this complaint and filing Ill note that I very much expect that Chase will punitively lowered the balances of my other cards either a. When I pay them off or down past a certain amount or be. They will be lowered and made nearly useless because I closed my Chase Sapphire account. 

There were no efforts made to keep me from attriting. 

It seems that being a good steward of your credit and paying down your balances can be met with negative repercussions at the sole discretion of the company itself.