davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CA)

On XX/XX/2023 I filed for my Teacher Loan Forgiveness Program ( TLFP ). I clearly met all of the criteria. After 10 days of no contact from EdFinancial, I attempted to call them regarding the status of my application and requested a call back due to high call volume. No call was returned at any point to me. I used their online portal to send them an email, which neither sends a confirmation email or gives me a copy of my email. After 8 more days ( 18 days total ), they finally contacted me informed me they declined my paperwork for a pointless document error that was answered later in the document and never contacted me in any way about the rejection. The same day ( XX/XX/XXXX ) I resubmitted my TLFP paperwork with the error fixed. About a week later, I received a letter via snail mail of receipt of my application for loan forgiveness. 

I contacted them again around XX/XX/XXXX regarding the status of my paperwork using their online email portal, which ( again ) provides no copy of my inquiry or notification of receipt. It took them until XX/XX/XXXX ( 22 days ) to respond to my inquiry where they claimed I had already spoken to a representative and would provide no further update. I had not contacted or been contacted by EdFinancial in any capacity between my inquiry and this response. I immediately used their online contact portal to explain my frustration and get the status of my loan forgiveness program. As of writing, an additional 21 days, I have not been contacted in any capacity by EdFinancial regarding the status of my TLFP application. When I call their customer service line, I'm put on hold only to it eventually hang up on me. When I request a call back, no one calls me. That's when they aren't closed at XXXX XXXX  and aren't open on the weekends. In order to sit on hold, I would now need to take time off of work at my expense to speak to a CSR regarding inquiries they have had significantly longer than a month to respond to.

Meanwhile, EdFinancial has been compounding interest daily on a loan balance that a ) qualifies for loan forgiveness and b ) received an application for loan forgiveness before the first date of compounding. They do not respond to calls. They do not respond to emails. They do not allow the use of their online chat function. It is not possible to contact my loan servicer and they continue to compound interest on a loan balance that should have been terminated months ago.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There have been several incidents in the past where Merrill Lynch has improperly, and without cause, held funds designated for deposit. 

On yesterday, I received a wire transfer in excess of {$60000.00}. This wire came from another bank, and was sent on XX/XX/2022. On XX/XX/2022, I recieved a call from Merrill Lynch indicating that they needed to talk to me to verify a distribution. I waited on hold for over 30 minutes, only to be told, this is a " security '' concern and the funds would be released within the hours. This was after the verification. 

To date, Merill Lynch has continued to hold the funds, without any reason for doing so. After repeated calls, they continue to hold the funds. 

I firmly believe that Merrill Lynch is discriminating against me, and has performed this action, and like action, because of my XXXX. There has not been any history of fraud or fraudulent activity on my account, yet -- every time there is a deposit, I am forced to wait an excessive amount of days to have access to funds that belong to me. 

Merill Lynch has my demographics, and perhaps because of this, they continously act as if I am attempting to " defraud '' them, or I am participating in some fraudulent activity. 

Here, my account is in good standing, maintains a positive balance, yet still- they refuse to release MY MONEY to me. 

This has happened on several occassions -- without reason or explanation. And before I leave this institution for good, I wanted to log this complaint, because I firmly believe they have a practice of withholding money from XXXXXXXX XXXX 

There is literraly no OTHER reason why this bank continues to illegally hold my funds under the vauge guise of security.
Consumer complaint received 2023-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (OH)

On XX/XX/ I sent Credit Collection Service two certified Validation letter though USPS to verify proof of debt for account number XXXX in the amount of XXXX XXXX and XXXX XXXX Dollars as reported on my Credit Report, and for account number XXXX in the amount of XXXX XXXX and XXXX Dollars as reported on my credit report. Credit Collection Service received and signed for that Validation letter on XX/XX/2023 as of XX/XX/XXXX Credit Collection Service has failed to respond to the validation letter. Further more Credit Collection Service has violated FDCPA section 1692E ( 8 ) failure to report/mark my account disputed with XXXX, XXXX and XXXX. 
I've downloaded proof of the Validation request USPS Certified mail receipt that shows the date sent and date received. 
Note : I've downloaded both USPS Receipts each for account number XXXX and account number XXXX
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-12-26
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. (MD)

XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : The following personal information is incorrect Current Address ( es ) : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. In accordance with the Fair Credit Reporting Act Accounts and information above, has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 





Sincerely, XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

This account is over XXXX yrs old. This account is not listed on XXXX or XXXX. I didn't approve for XXXX XXXX to sell my loan. Due to these violations, I will seek legal compensation in the amount of {$3000.00} per each violation. Remove this account XXXX Immediately and instruct XXXX XXXX to do the same
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (OH)

This company is a third party debt collector and I never done business with this company. Per FCRA as a federally protected consumer I am opting out of any and all authorizations written unwritten verbal and nonverbal per 15 USC 6802 ( B ) ( opt out ) 15 USC 6805 also see 15 USC 1681 5 USC 552 ( a ) 16 CFR 313.7 433.2 433.3 these laws ensure that a consumer rights will not be violated by sharing personal information none disclosed information under 16 CFR 433.3
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NC)

XXXX XXXX XXXX XXXX ID : XXXX Date of XXXX XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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. (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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXXXXXX, Bankruptcy XXXX XXXXXXXXdischarged : # Reference numberXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (FL)

Almost two ( 2 ) months I called Avant and obtained the payoff balance and paid the sum they told me in FULL. I ordered my account closed and have not used the card anymore. 
I just received an email saying my account is due payment XXXX of {$6.00} on XXXX XXXX. I called them and disputed that I owe them anything.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (NY)

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 
Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX RE : XXXX XXXX XXXX  XXXX XXXX. 
ACCOUNT # XXXX Amount : {$4500.00} The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons.
Consumer complaint received 2023-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

We had a loan modification done on our Mortgage. We went the the office of BOA with all the managers and other workers in presence of us signing the new payment and balance. They ( BOA ) proceeded to add on a balance of $ XXXX. Onto the end of our mortgage. Notification, reason. We have all our documents from that day with all the witnesss present and they had to sign. No where on it does it have the $ XXXX on it. They also sold our loan to XXXX XXXX. They are a debt collector. We are no longer behind on our payments. The only thing showing this money we owe that is NOT on our original modification Documentation. 
What are our options? 
Thanks Im advance XXXX XXXX
Consumer complaint received 2024-04-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AL)

National Credit Systems has purchased alleged debt from XXXX XXXX and is now trying to illegally collect on debt that I am not responsible for and I have never done business with this company. They have no proof that I owe anything. I need this account removed from all credit reports and profiles as it is negatively affecting my ability to obtain housing for myself and my family.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (IL)

On XXXX I was denied the ability to open a Checking Account at my neighborhood Bank due to Early Warning reporting FALSELY that I opened and defaulted on a Checking Account. On XXXX XXXX I finally received the report. When I perused the report, I observed that someone was able to open this Checking Account using my name, social security number and birthdate. This unknown person also used an address in Kentucky, a phone number with an ( XXXX ) area code, which I XXXX  is a Texas area code, and an email that I have never used. Note that, I currently live in XXXX where I have lived since birth. I filed a Dispute with Early Warning on XXXX and, as of today I have called several times and can't get any help from them to resolve this situation. I had a Security Freeze on all three of the Credit Bureaus at the time this Fraudulent Account was open to prior knowledge of my Identity being stolen.
Consumer complaint received 2024-04-10
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. (FL)

I was looking at my report and noticed there were some things not correct. I sent a letter to Experian on XX/XX/2024. It had been more than 35 days since they have responded. That is a Violation of 15 USC 1681i ( a ) ( 1 ) ( A )
Consumer complaint received 2023-12-27
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. (MD)

TO WHOM IT MAY CONCERN I recently received a copy of my Experian Credit Report, XXXX and XXXX Credit Report and I noticed some late payments posted on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you permission to furnish this account on my credit report? 

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states : ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 . 

Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX XXXX XXXX of ID and bank statement showing proof of address.
Consumer complaint received 2023-12-26
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)

I am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. Experian is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (PA)

WELLS FARGO BANK Account type - Credit card Date opened - XX/XX/XXXX  Above Account created under WELLS FARGO BANK without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-04-10
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. (WV)

I have personally made calls, send complaints, and requested my private and personal information to be removed from my Consumer Reports produced by this company. Referencing the consumer laws stating that personal experience and interaction are not to be included as per 15USC1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; and " The Privacy Act of 1974 '' I have repeatedly asked to have interactions and experiences such as " balances, payments late or otherwise, inquiries, closures, collections, and any other personal interaction with companies that I no longer have business with. '' be removed immediately. 
However against all attempts my report still shows all of the mentioned information.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing this dispute letter in correspondence with the Complaint ID XXXX that was recently closed. 

I don't understand that you are making it hard for me to request to remove these inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX