davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
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)

The past three payments I have attempted to make towards paying off my unsubsidized loans have been reversed without being given a reason. This is not an error of my bank, as I have full funds available to make these payments. The payment reversals have been on XX/XX/XXXX for {$75.00}, XX/XX/XXXX for {$75.00}, XX/XX/XXXX for {$600.00}, and XX/XX/XXXX for {$700.00}. 

In addition to that, I have not been contacted stating that the payments have been reversed. I have called today, XX/XX/XXXX, and have yet to be contacted by EdFinancial.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-06-03
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. (NJ)

ACCORDING TO 15 USC 1681XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-02
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is fraudulent though your company claims to have verified this. 
Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNT : XXXX XXXX  XXXX.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-02
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. (CA)

Late Payment XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I am writing to dispute the following inaccurate information that appears on my credit report. Under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b, 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 to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. Additionally, if an open-end consumer credit plan provides a grace period during which the obligor may repay any portion of the credit extended without incurring an additional finance charge, such a charge may not be imposed unless a statement including the amount upon which the finance charge is based was mailed or delivered to the consumer not later than 21 days before the date specified for payment. In accordance with 15 U.S.C. 1666b, I request that the credit bureau conduct a thorough investigation of these items and correct or remove the inaccurate information from my credit report. You can also check below attachment that i am paying on time.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-03
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. (PA)

I am reaching out as a follow-up to my previous complaint dated XX/XX/XXXX. According to FCRA Section 605B, Credit Reporting Agencies are mandated to remove any items reported under an identity theft case, as per reference number XXXX. Enclosed, you will find the necessary documents to facilitate the removal of the erroneous personal information and unauthorized inquiries that have been incorrectly added to my credit report. The unauthorized items are listed below : XXXX : XXXX XXXX XXXX XXXXXXXX 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 -TRANSUNION 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 XXXXXX/XX/XXXX. As specified in FCRA Section 605B ( a ), Credit Reporting Agencies are required to delete any information from a consumer 's file identified as resulting from identity theft within four business days of receiving the request.
Consumer complaint received 2024-06-02
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. (TX)

On about XXXX the XXXX, I submitted and requested for a re-investigation of said accounts ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Upon the response, it was determined that these accounts have yet to be thoroughly re-investigate. I have reached out to the reporting company requesting the following ; " a description of the procedure used to determine the accuracy of the completeness of the information. '' This shall be provided to the comsumer by the agency including any business names, address, of the furnisher of information contacted in connection with such information and the telephone number of such furnisher if reasonably available. This was not carried out and I have yet to receive a response from the resorting company. This is also in accordance with 15 USC 1681I ( a ) ( 6 ) ( B ) ( iii ).
Consumer complaint received 2024-06-02
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. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681 has violated my rights XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  : # XXXX. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A 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 ) sections states. No consumer reporting agency may make any consumer containing any of the following items 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 2024-06-02
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: EQUIFAX, INC. (UT)

Equifax stated it has completed it's investigation and contacted the furnisher for the unauthorized inquires on my credit and accurate! these aren't soft inquires they are hard inquires which caused damage to my credit report losing points! This goes to show you not only they didn't look into the matter but lied in the process of their so called investigation. Pursuant under 15 U.S. Code 1681b - Permissible purposes of consumer reports/15 U.S. Code 1681a- Compliance procedures/15 U.S. Code 1681g - Disclosures to consumers/15 U.S. Code 1681o - liability for negligent noncompliance. I can keep going on and on about my Consumer Rights! Equifax didn't reach to any of these Furnishers but I did and they don't have any record of me applying for credit! So how in the XXXX is this verified? Remove these Hard Inquires XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax already been breached and still my information is floating out there and this is the XXXX I'm told it's been verified. Equifax is stating they verified fraudulent information without doing their own independent investigation. I've submitted a FTC and I'm told their finding is accurate XXXX! if this continues I will push to legal matters and that's that! Equifax you not above the Consumer Law bottom line!
Consumer complaint received 2024-06-02
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. (NC)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PR)

Never pay late, and they show a late payment on 30 days in XXXX in XX/XX/2022, in XXXX in XX/XX/2022, in Experian in XX/XX/2022. I have the evidence I send it. And the sell and closed the account is a violation to report late payment in a closed account.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Months ago, I have sent a letter to the three credit bureaus asking 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 XXXX, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (WA)

I have been wanting to pay off on my private loan but they want me to pay XXXX a month which is too expensive. They will not work with me on lowering my payment. My co-signer and I are divorced and he does not work enough to contribute to the payment. I am simply seeking a lower month ly payment. 

I have also applied for some forebearances that I am told I am eligible for then I am denied. Inconsistent information and advice gets frustrating especially when I am doing what to can to pay my loan off.
Consumer complaint received 2024-06-03
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. (GA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/scrub>XX/XX/XXXX
Consumer complaint received 2024-06-03
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. (AR)

I've found again that my credit report has erroneous information for the second time. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXXXXXX Balance XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-08-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

My monthly payment increased from {$310.00} to {$320.00} ( I'm not able to pay unnecessary increases in mortgage payment ) due to my fixed income, Social Security. 
My original agreement with XXXX XXXX they would refund my overpayment at the end of the year, but, Select Portfolio Services inc. keeps the overpayment. I have spoken to them by phone twice and they said they would reduce my mortgage if I pay them {$100.00} On Thursday XX/XX/2023, I spoke to XXXX and I paid {$50.00} of the {$100.00} which he said I owed {$56.00} left then my new payment would be {$310.00}. XX/XX/2023 XXXX I paid XXXX XXXX the phone {$58.00} at which time XXXX said my new mortgage starting in XXXX would be XXXX confirmation # XXXX
Consumer complaint received 2024-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this message finds you well. I am writing to express my deep disappointment and frustration regarding the unresolved disputes I have submitted multiple times for inaccuracies on my credit report. 

Despite sending detailed letters outlining the inaccuracies and violations to my consumer report, it has now been over 30 days since my initial dispute submission, and I have yet to receive any response or resolution from your end. 

Attached to this message are copies of all the letters I have sent, clearly documenting the accounts in question and the errors present on my credit report. 

I understand the importance of accurate credit reporting for both consumers and creditors alike. However, the lack of response to my repeated attempts to rectify these errors is not only concerning but also damaging to my financial well-being. 

I kindly request that you prioritize the resolution of these disputes and provide me with a prompt update on the status of each. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Never pay late, and they show a late payment on 30 days in TransUnion in XX/XX/2022, in XXXX in XX/XX/2022, in XXXX in XX/XX/2022. I have the evidence I send it. And the sell and closed the account is a violation to report late payment in a closed account.
Consumer complaint received 2019-05-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

Various dates with Navient Student Loans I owe XXXX in student loans. My ex husband and I divorced two years ago ... he was on as a cosigner and in the divorce decree I am responsible for the debt.. and he is not working. They are not releasing him until I make payments on the loan for a year. This is not fair.. When I am asking about repayment options for myself a single mother now I am being told I would have to pay XXXX a month for all the private loans I have with very little towards principal and they will not work with me to lower my payments or I am being told different amounts by different representatives. Unreasonable payment arrangements and interest rates ... inconsistent figures to repay and not income and expense driven. They also go by gross pay, not net. I pay XXXX a month in health insurance and XXXX a month for my daughters car insurance plus mortgage, plus medical bills, etc. Navient needs to change their practices with student loan debt.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

These companies pulled up my credit report without my ... would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary ... life on top of hurting my credit score.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I'VE NOTICED UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORT AND THESE ACCOUNTS HAS AFFECTED MY CREDIT SCORE NEGATIVELY. 

THE ACCOUNTS ARE THE FOLLOWING XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX