davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Equifax : XXXX, XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX, XXXX Equifax : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX, XXXX Equifax : XXXX, XXXX Equifax : XXXX, XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX, XXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXXifax : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights . 

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation under Sec. 609 FCRA.

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
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2019-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

The subject of this letter is problems I have been experiencing with taking out federal loans, and millions of others will be experiencing this too. I have about {$130000.00} of federal loans for studying at University XXXX XXXX  at XXXX and XXXX University. The servicing is outsourced to a private company called FedLoan Servicing based out of Pennsylvania. 

Whenever I try to make payments beyond the minimum required, FedLoan servicing is placing me in Paid Ahead Statusthey are applying additional payments to my future interest owed, instead of the principal! Even when telling them that I do NOT want to be in Paid Ahead Status, they are not listening to my request. For example I requested an additional monthly payment of $ XXXX/month to go toward my principal, and instead they apply it toward future interestdespite my repeatedly asking them not to. 

FedLoan Servicing is making it difficult if not impossible for people to pay off student loans. On top of that, when you are in deferment, for example going back to get another degree, this deferment forces you to capitalize the interest payments on prior loans. That means my loan balances have actually increased over time, even during deferment. 

I am also requesting assistance with my particular situation, where my additional $ XXXX/month payments havent been applied toward my principal. Despite paying off student loans for the past few years, my total balance continues to increase! 

Specific action items : 1. I have asked by phone, and via email, to have my $ XXXX/month additional payment only be applied toward principal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have claimed to fix this, but never do! 

2. Payment on XXXX- why was none of the {$470.00} applied toward principal? 

3. On XX/XX/XXXX, there is an unexplained capitalization of {$5100.00}. There is barely any explanation of where this amount came from, and how they decided to add it to my total balance. Because of the insufficient explanation, I am requesting this amount be deducted. Also I was never notified of this capitalization at the time it happened. 

4. On XX/XX/XXXX, another unexplained interest capitalization of {$2100.00}. There is no sufficient explanation and I was never notified at the time of this happening, so I am requesting this amount be deducted from my balance. 
- Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: OPORTUN FINANCIAL CORPORATION (GA)

I have repeatedly stated that this is not my debt. I have a fraudulent account statement. I have sent it in. Ive gotten no response back not only that but from their own response, there is only XXXX {$320.00} balance yet. The credit report shows that theres a {$600.00} balance with a high balance of {$320.00} that doesnt even make sense thats invalid there Constantly changing their reports to Suit my proof and this is absolutely a violation on my rights and needs to be taken off of my report and I want to be paid my legal right of XXXX per violation for at least the XXXX violations that are clear as day the balance due and the dates opened as well as if the card is closed or not On my credit report, it states that it is closed under opportune then under the creditor that they sold it to it states unknown. But even under their own reporting, it says balance due zero how is that possible if Im being reported for nonpayment
Consumer complaint received 2024-05-21
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. (FL)

I recently reviewed my credit report and noticed that I was a victim of Identity Theft so reached out to XXXX, Experian, and XXXX on XX/XX/XXXX via certified mail. The Credit reporting agencies removed the items from my credit report and placed them back on my credit report with sending me any notification and without furnishing and written agreements between me and the creditor. Through this entire time, none of the creditors reached out to me with an explanation. So I reached out to my attorney and was advised to submit a CFPB complaint. If there were no updates or changes within 4 days then I will be pursuing monetary litigation at the maximum capacity. 

In accordance with Fair Credit Reporting Act the listed accounts has violated my rights : XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681 Section 604 a section 2 : Also states, a consumer reporting agency can not furnish a account without my written consent 15 U.S. Code 1681c2 - Block of information resulting from identity theft
Consumer complaint received 2024-05-21
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. (PA)

Hello my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as possible. 

I Noticed This Information XX/XX/XXXX ACCOUNTS : Account name : XXXX XXXX  XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$180.00} Account name : XXXX XXXX  Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$1400.00} Account name : XXXX XXXX XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$17000.00} Account name : US DEPT OF EDXXXXXXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$4700.00} Account name : XXXX XXXX XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$4700.00} Account name : XXXX XXXX XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$1100.00} Account name : XXXX XXXX XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$1500.00} Account name : XXXX XXXX XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$440.00} INQUIRIES  : Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date XXXX XX/XX/XXXX
Consumer complaint received 2019-06-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following items were disputed and I was never notified of the results in the alloted timeframe and they simply removed the disputes online and there were no way to check the results. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4600.00} - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$660.00} - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (TX)

This company has a very deceptive online interface. The payments must be made within a specific window or it will default you to a non-payment status. Even if you make a payment after the fact it does not apply to the missing payment. However, this is not clear on the online dashboard and the information available on the online dashboard is misleading. It appears as if when you make the payment of the balance due then you are caught up when in fact you are not caught up. Any additional payments you are making forward are not being applied as you think they are because you can not see the same thing that the company is tracking from the dashboard. 

When I asked for a detailed itemized statement to show exactly what payments were received and how they were applied they sent an itemized statement of payments received but NOT HOW they were applied. I was reported to the credit bureau for being 30 days past due ( at 50 days by their count ) because an XX/XX/2023 payment was missed. But on the dashboard I paid two months balances twice and according to the dashboard that was what was due and that brought me current as far as I could tell from the dashboard. I additionally paid extra buffer payments. Yet none of this brought me current. This is very deceptive and I believe it is intentionally deceptive. There were late fees and other fees mentioned to me in the phone conversation, which were also given as additional reasons for why my balance was not dropping and why my payment was still behind when I thought it was current. I do not see any of those on the itemized statement that was provided. I do not trust that this company operates in good faith. This feels like a corrupt practice to intentionally keep your loan principal from reducing.
Consumer complaint received 2024-05-20
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. (GA)

According to my records, I have not received a 1099-C form from XXXX XXXX XXXX XXXX as required by the Internal Revenue Service ( IRS ) for the cancellation of debt. The lack of a 1099-C form indicates that the lender has not officially canceled the debt, and therefore, the charge-off should not be reported on my credit report.
Consumer complaint received 2024-05-21
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. (FL)

XXXX XXXX XXXX OPENED THIS FRAUD COLLECTION WITHOUT MY KNOWLEDGE. 

XXXX XXXX HAVE A FRAUD COLLECTION ACCOUNT OPENED UNDER MY NAME THAT INACCURATE. 

I AM NOT RESPONSIBLE FOR THIS FRAUD COLLECTION ACCOUNT FROM XXXX XXXX XXXX. 

THE ACCOUNT NUMBER : XXXX WHICH HAVE A FRAUD BALANCE OF {$410.00}
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

To whom it may concern, I have some major issues with my credit report fraudulent addresses, inaccurate name, and un-validated accounts showing on my report. My name is XXXX XXXX XXXX not XXXX XXXX please delete ANY and all variations of my name they are not accurate. I beg that your department might consider helping with a difficult situation. I have managed to get my XXXX XXXX Credit Report updated properly. However managed to acquire some unverified items that have effected my FICO. 
Eventually I look forward to applying for a home loan, and as a result I am worried this inaccurate information may spoil my credit rating. Please delete the following accounts this is a 609 FCRA dispute on the following : XXXX XXXX XXXX, XXXX I have never had accounts with theses companies.
Consumer complaint received 2024-05-21
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)

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-07-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I have two AMEX debit gift cards with {$50.00} each on them. Over the course of the last week ( XXXX ) I have tried to use the cards at various online stores and they are constantly rejected. The cards both have a full balance, and no matter how much I try to charge they are not accepted. I tried to just {$25.00} on one, and it was rejected, so it isn't a balance issue. It seems like the companies put a couple of cents as a hold on the cards each time, so I think it might have something to do with that.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any accunts in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-21
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: Experian Information Solutions Inc. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-06-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (FL)

I am filing this complaint regarding a medical debt owed to XXXX, a company that provides aligners, and their debt collector, Westlake Portfolio. I initially signed up with XXXX and agreed to a total cost of around {$2000.00}, with an initial payment of {$290.00} and subsequent monthly payments of {$99.00}. 

Upon realizing that the aligners were not suitable for me, I researched the refund process on XXXX 's website. However, when I tried to initiate the refund, XXXX informed me that I was not eligible. I attempted to dispute their findings based on their own terms and conditions, but they had already blocked my access to do so. Feeling dissatisfied with their service and promises, I decided to continue making payments to XXXX, even though I wasn't a happy customer. 

Months later, I discovered a missing payment collection notice on my credit report, which negatively affected my credit score when I was in the process of purchasing a car. I discovered that the missed payment amount reported by Westlake Portfolio, which caused my credit score to plummet by over XXXX points. When I contacted Westlake, they informed me that the amount they were claiming included interest and charges, and even if I paid the full amount, it would remain on my credit report for 7-10 years. XXXX redirected me back to Westlake, stating they didn't have any information about my account. This back-and-forth continued, even after speaking with XXXX, a supervisor at XXXX. 

My main concern is that I am unable to ascertain which payments were missing, as I had set up automatic payments and didn't reconcile my accounts regularly unless there was a significant discrepancy. XXXX and Westlake have both provided different amounts owed, neither of which takes into account the payments I made or the agreed-upon pricing when I initially purchased the aligners. 

I feel that both XXXX and Westlake are holding my credit XXXX without providing any details about the alleged debt. They are effectively extorting me, offering the choice between paying an amount I believe to be inaccurate or enduring the long-term consequences on my credit report. I am seeking assistance in resolving this matter promptly and fairly.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.