davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and update these accounts from my credit report.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (AZ)

I am a full class member of the XXXX XXXX XXXX  lawsuit with a Borrower 's Defense case against XXXX  XXXX XXXX and XXXX XXXX XXXX  with loans being serviced by Aidvantage. While Aidvantage has removed my loans relating to XXXX  XXXX XXXX earlier this year they are refusing to remove the loans relating to XXXX XXXX XXXX. To make matters worse, Aidvantage has moved forward with putting loans from XXXX back into repayment and charging interest in violation of the settlement agreement that they are legally bound to comply with. Aidvantage blames the Department of Education for not informaing them but, when I communicate with the Department of Education, they blame Aidvantage as I've been told they have been informed. 

Both Aidvantage and Department of Education are bound to the settlement of this lawsuit. 

After months of conversations, I was able to get the Department of Education to communicate the forbearance with Aidvantage but Aidvantage continues to charge interest which increases my balance and hurts my credit against the settlement agreement. The reality is that all these loans are supposed to be fully discharged... Not being put back into repayment and/or collecting interest.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (OH)

I am filing a complaint against Experian because they violated my rights under the FCRA 623 ( a ) ( 3 ) and the FDCPA 807 ( 8 ) by failing to enter Notice of Dispute and Failure to communicate that a disputed debt was disputed within 30 days ( which was required by XX/XX/XXXX ) of my first dispute letter ( attached ). I sent them a letter on XX/XX/XXXX, disputing account- XXXX XXXX XXXX, account # XXXX with proof of the inaccuracies and proof that XXXX and XXXX XXXX deleted the account due to the inaccuracies. I first sent them a XXXX XXXX Receipt dispute letter with proof of Signature on XX/XX/XXXX, and they received it on XX/XX/XXXX. They totally disregarded my letter and did NOT even investigate my dispute. 

I sent Experian a second letter of dispute on XX/XX/XXXX, and included the first dispute letter and XXXX XXXX XXXX proof from XX/XX/XXXX. They picked it up from the post office on XX/XX/XXXX. On XX/XX/XXXX, they sent me an automated email explaining their role in the dispute process that according to the FCRA. Again, they did not put it through dispute process, and they failed to enter a Notice of Dispute and failed to communicate that a disputed debt was disputed. 

After ignoring my first dispute letter and second dispute letter, I sent my third dispute letter on XX/XX/XXXX, explaining that they never responded to my first dispute letter and failed to enter a notice of dispute within 30 days and that the last update to this account was XX/XX/XXXX, I asked them to delete the account in dispute since they have violated FCRA 623 ( a ) ( 3 ). They finally responded on XX/XX/XXXX, with an email stating they were starting the dispute on XX/XX/XXXX. On XX/XX/XXXX, at XXXX, I received another automated email that the investigation was completed and the item remains. 

After all, three dispute letters, they still failed to enter Notice of Dispute and Failed to communicate that a disputed debt was disputed. They did not do a proper investigation any of my disputes. 

I received an automated email at XXXX on XX/XX/XXXX, with the results of the dispute that they did not complete. I would like Experian to delete this account from my credit report as they violated my rights.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/23 ( according to my bank statement ), someone withdrew {$2000.00} then withdraw another {$1300.00} from my Bank of America Checking Account at a GAS STATION for a total of {$3300.00}. As soon as we realized the money was gone ( the same day ), my husband reported the fraudulent transaction ( THEFT ) to Bank of America. Bank of America claimed that they would conduct an investigation and advised us to remove the remaining money in the account so that the thief could not have access to it. 

In accordance with Bank of America 's instructions, my husband promptly went to a Bank of America ATM and withdrew {$1000.00} ( approximately what we had left in the account after the fraudulent transaction ). We waited for Bank of America to verify and refund the money. However, instead of refunding us the money from the fraudulent transaction that they allowed, Bank of America advised that they could not " find anything '' and so could not issue a refund. They did this instead of addressing our complaint that THEY, " Bank of America '' were GROSSLY NEGLIGENT for allowing a {$3300.00} -NON-CARD WITHDRWAL AT A GAS STATION and therefore should refund us the money. They told us that we should try to make the complaint with Bank of America to see if a second investigation would cause them to " find something '' warranting a refund. We subsequently submitted several complaints to Bank of America-all of which were terminated without Bank of America refunding us our money or taking any responsibility for their negligence. 

After a series of denied fraud complaints, I went to the Bank of America branch in XXXX Florida and met the branch manager. she told also told me that Bank of America could not " find anything '' and also that there was no one from which to get the refund ( EVEN THOUGH THE MONEY WAS CLEARLY TAKEN AT A GAS STATION ) so Bank of America could not refund the money that Bank of America allowed someone to take from our account at a gas station. 

Lastly, it should be noted, that neither my husband nor I, have any history whatsoever of buying gas or spending in excess of {$100.00} at a gas station and so under no circumstance could it have been reasonable for Bank of America to believe that we were suddenly pumping {$3300.00} worth of gas.. Yet-Bank of America never contacted me nor my husband during or after the fraudulent transactions! It should also be noted that we never lost or misplaced our bank of America debit cards. It should be also noted that the transactions of {$2000.00} then {$1300.00} were two separate Non-card transactions and Bank of America authorized BOTH!. To date, Bank of America has failed to refund our money. We are two HARD WORKING people-just trying to make life. Perhaps to others, this may not be a big transaction, but for us-this loss caused by Bank of America , has caused devastating financial loss and problems.
Consumer complaint received 2023-10-12
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 writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. 

See below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
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)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IL)

On XXXX, XX/XX/2023, I attempted to contact Nelnet about questions regarding my student loans. They do have a lot of information on the website, but not exactly what I was looking for. I waited on hold for 50 mins and was unable to talk to anyone. Today, XXXX, XX/XX/2023, I called again and waited 2 hours and 5 mins without being able to get ahold of anyone. I emailed them through their system which says that emails are extremely delayed and it may take a long time to receive a response, I have not received one yet as of this complaint. I am now back on hold on the phone and its been 24 mins without an answer. I keep hearing recordings saying I should find my answer online, yet its not clear on their website about the question I have. I do not have the time to sit on the phone on hold without getting anyone to speak to me when I have a loan payment coming up. It has been terrible customer service. I understand I am not the only person suffering this due to all loans coming out of forbearance at this time, but I need to speak to someone. I dont know how else to resolve this as Ive made several attempts.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (GA)

We have an issue with the mortgage attached for the loan under Shellpoint for over a XXXX dollars. The property was purchased in the business name as we do with all our properties since we have been in business and XXXX XXXX stands as guaranto. We have almost 200 properties like this. XXXX stands as guarantor so it is therefore not reported on his credit. We refinanced this in XXXX XXXX and it was just that. Now comes XXXX we are realizing they started reporting it on XXXX 's personal Credit, so that's a XXXX dollar loan with a {$7000.00} plus mortgage weighing his credit down which will obviously affect his DTI and affect him getting other loans and has affected him getting several loans We have tried tirelessly to get it corrected with the mortgage company and The mortgage company is telling us that the investor has chosen to now report on both business and personal credit and only the investor can change that. I need to get it changed back to my original agreement of being reported on my business credit and not personal. I have almost 200 properties and they are in the company 's name. He is the guarantor and they are not being reported on my credit report which is the whole reason for being in the company name. 

He is locked into a 5 year prepay and now he's also being screwed over as well by getting it placed on his personal credit. 

XXXX is not the borrower, the borrower is XXXX XXXX XXXX XXXX XXXX. XXXX is only guaranteeing the loan. That is not what we agreed to. We would never do business with anyone putting our business loans on our credit report. It is a breach of our agreement. It is a business loan. We need this to be removed from his personal credit. 

We have the original paperwork signed and attached. We also have other loans with the same lender purchased the same way which are not on our personal credit.
Consumer complaint received 2023-06-06
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records 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 information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$350.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXXXXXX XXXX XXXXXXXXBalance : {$800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX Balance : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX : {$1700.00} ; XXXX XXXXBankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (DE)

XXXX XXXX brought XXXX XXXX XXXX XXXX account that was in collections now its saying I owe them money I asked for Verification of this account from being on the owner of this account before even being bought I also asked for them to send me some type of verification that my Signature is on this account and the old account because I never signed up for no account at all
Consumer complaint received 2023-10-12
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)

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

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-05-09
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. (FL)

I noticed inaccurate and a unauthorized account reporting negatively on my consumer report. Not sure if you're mixing my identity with someone else or of this is identity theft. I will attach a letter so your company can investigate and remove this inaccurate account. I will also attach copies of all the credit reporting agencies address reporting FALSE addresses on my credit report.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-03-14
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. (NC)

I filed a complaint, XXXX, about XXXX Bank XXXX XXXX of XXXX about the mistakes their branch representative made regarding our credit card consolidation wherein we had XXXX late payments tacked onto our credit report for doing what the representative told us to do. In XXXX of XXXX, we received notification from XXXX XXXX in XXXX Client Relations of XXXX that they would be removing the XX/XX/XXXX late payment off of my and my wife 's credit report but not the XX/XX/XXXX late payment : XXXX Reference # XXXX. I contacted XXXX Customer Service in XX/XX/XXXX to inquire as to why our credit reports had not shown the adjustment. XXXX representative XXXX XXXX advised she would look into it. XXXX XXXX contacted me back and apologized advising that their credit bureau XXXX would send a letter to the credit bureaus to have the late payment removed. Here it is XXXX XXXX going into XXXX and the credit reports have not shown the reflection for our credit reports. I am so sick of this mess with XXXX. I want the adjustment made to our credit reports for XX/XX/XXXX ; really should be for XX/XX/XXXX because they are admitting to the misrepresentation by the branch representative and removing one ( whacked thinking ) but we'll take what we can get at this point.
Consumer complaint received 2024-03-13
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-12
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: EQUIFAX, INC. (OH)

Equifax credit reporting agency is not reporting current balances on any of my accounts in a time manner. Ive requested for the company to correct the balance statements. The representative stated that they didnt receive updates from the credit card company. Contacted all the the credit card companies and they stated that they reported updated balances. Equifax refuses to updated my credit report.