davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2.00}
Consumer complaint received 2023-06-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CLGF Holdco 1, LLC (PA)

Milestone Mastercard Credit has contacted my father multiple times via text message and disclosed the history of the account, account debt amount, and ways to pay. Last occurred XX/XX/2023 XXXX
Consumer complaint received 2023-02-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

After numerous calls requesting a payment plan the representatives continue to try to push me towards a modification which would have increased my interest rate significantly. Finally a representative spoke to an underwriter to provide me with a payment plan. The company gave me a repayment plan that exceeded my monthly income making it impossible for me to make the payments.
Consumer complaint received 2020-04-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (AZ)

American Education Services claims it is exempt from the CARES Act that mandates all Federal Student Loans must be put in automatic no-interest forbearance due to the COVID-19 crisis. They are claiming that the CARES Act applies only to loans held by the ED ( Department of Education ), and not by lenders such as themselves. They claim that I do not have Federal Student Loans with American Education Services that fall under the CARES Act. 

I, in fact, do have Federal Student Loans. These are not private loans. I got them when I was in school in XXXX, and my Federal Student Loans were serviced by XXXX. In XXXX, American Education Services purchased my loans from XXXX, without any input nor approval from me. When I log in to American Education Services, and look at my loans, I have two loans : One XXXX Loan, and one XXXX Loan. 

I am requesting that American Education Services comply with the instructions mandated in the Federal CARES Act, and place my loans in ZERO-INTEREST Hardship Forbearance, as required by the Federal Government in the CARES Act.
Consumer complaint received 2018-05-11
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: Stuart-Lippman and Associates, Inc (FL)

I have been dealing with STUART-LIPPMAN & ASSOCIATE INC, I  sent a debt validation letter on to them certified mail return receipt on XX/XX/XXXX, and never received any response from them. They received the certified letter on Monday, XX/XX/XXXX. As you can see in my letter I have asked for validation, bearing my signature, showing that I have or ever had some contractual obligation to pay Stuart-Lippman & Associate , Inc. This negative mark found on my credit report from this company is a violation of the FCRA & FDCPA. I never received the paperwork as asked. I have asked XXXX to validate the debt bearing my signature and ask for a method of verification, and still nothing. Yet every month it is on my credit report paid was a collection. This debt is not valid or have been validated bearing my signature, and should not be on my credit report. If STUART-LIPPMAN & ASSOCIATE INC can not provide all the validation this account MUST be DELETED. XXXX deleted the account as they found there was no validation of the account. This account was closed XX/XX/XXXX Also, reporting a debt to the credit reporting agency, XXXX that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ),  and carries a fine to be paid to me.
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX, # XXXX, # XXXX, # 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 written instructions from the consumer.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYCORP (FL)

I opened an online savings account with Laurel Road ( a part of Key Bank ) on XX/XX/23. They approved the account right away and prompted me to deposit the money. I had to wait for them to approve my husband as a joint account holder, and it took them 11 days to do so. Nobody ever questioned our identity at any point during that process. Once he was approved, we sent them the money from another bank. Right away, they froze our online access and would not even give me the reason why. I continuously tried to find out when I would be able to access our account, especially considering that I could not even see if our transfer went through. They denied me access and would not disclose their reasons for blocking me from my online account or give me a timeframe when I could gain access to my own money. 

In the meantime, I did some research on this bank and found hundreds of complaints about this shady practice that followed the exact same scenario. This bank would arrest their customers funds for weeks or even months at a time. Right away, I demanded, via chat with the bank, that my account be closed and our money returned to us. The chat transcript that I saved clearly shows that I was the one closing this account even before there was any money in it. 

They did close my account but sent me a letter saying that it was their initiative, and they reported negative information to the consumer reporting agencies. I was not worried at the time since I did nothing wrong and was not expecting this bank to report anything of that sort. As I just found out, when applying for a checking account with a different bank, and was denied, that apparently, Key Bank reported identity fraud, which is an outright lie as it has never happened. They never even tried to verify my or my husbands identity. This reporting is outrageous, and damaging, and seems to be done with malicious intent to damage my record. The only fraud there was their own when they arrested our money under the pretense of " reviewing '' the account, for some reason even their representatives could not explain. 

This banks shady practice should not be permitted as they trick their customers into giving them money, and right after the transfer, they block online access to that money.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

This is a charged off account reporting with a balance the IRS Clearly defines a charge off as Gross or Ordinary income, and Income doesn't get Reported on the Consumer Reports which in facts makes your reporting of this account inaccurate
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (TN)

I received an email on XX/XX/XXXX  stating I would receive a {$100.00} cash back bonus if I added a joint user to my XXXXXXXX XXXX XXXX issued by Barclays if the user spent {$100.00} within the first 30 days. I completed the requirements and never received the cash back bonus. 

I have attempted to contact Barclays but their IVR system only gives generic information and hangs up without transferring to an agent. The one time I was able to get into the holding queue I was on hold for 10 minutes before the call disconnected.
Consumer complaint received 2021-03-15
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: EQUIFAX, INC. (AL)

I requested a fraud alert on my credit because someone stole my identity. I am not a person that checks their credit frequently but i recently check it because i am trying to secure a home. I saw a few accounts on my profile that i have no idea about.I did not authorize them. I reach out to the credit bureaus XXXX  equifax and XXXX  regarding these accounts and they explain to me that i need an FTC report. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself.
Consumer complaint received 2020-04-14
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. (NC)

I previously sent four dispute letters to Experian since XXXX of XXXX, in regards of a XXXX XXXX XXXX account number XXXX that was never validated I pointed out the inaccuracies on all three of my credit reports which shows the open date on XXXX  and XXXX is XX/XX/XXXX but on Experian, the open date is XX/XX/XXXX I wrote to them according to the FCRA this is not 100 % correct and it's inaccurate and it needs to be deleted. Also, Experian told me that unless I send them additional relevant information to support my claim and that they want investigate, even tho I pointed out the inaccuracies. This is my 3rd and final complaint before I sue Experian in federal court.
Consumer complaint received 2018-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

I closed on my house in late XX/XX/XXXX - ditech owes me over 1300 andstill has not paid me as ofXX/XX/XXXX.  First I was told they sent the check to the house I sold. Then I was told they needed to investigate.  Then I was told I has to wait another 10 days so they could cut another check.  Last week I was told by the manager XXXX  ext#XXXX the check was in the mail- still no check all I received was a letter saying they were looking into the matter.  I have already reported this company to XXXX and need someone to look into this - I think there is a law that they only had 30 days- next I will speak with my attorney about legal action against this company.
Consumer complaint received 2017-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

XX/XX/2017 I have written both XXXX and Experian concerning XXXX bogus collection accounts and they still remain. Attached is the results of the XXXX  investigation into the accounts. 

Please Remove!
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America closed my account without warning one year ago approx. Without warning or reason, I dis not have access to my money. When I called them, they told me they could not tell me a reason but that I would receive a cashiers check with the balance. It took around 20 days to get this check with my money. It was awful. I was in the middle of building my house ( during covid ), everything was more expensive suddenly, my father was XXXX with stage XXXX XXXX XXXX and I had to take over his responsibilites which included his medical payments, and I had to borrow money from my father in law to help through all this additional hardship. I had the BofA account since I was a child, my mother had opened it for me and I never had a problem. There were additional deposits and withdrawals, but these are normal if you are building a house and paying for medical expenses. I feel closing my account was unjustified and plain malicious. It complicated my families situation even more, when my bank should have asked me or tried to find out the hardship that was maybe causing what caught their attention.
Consumer complaint received 2018-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Data Systems (NC)

This creditor is reporting a negative debt against my credit report and has refused to debt it. This creditor is in violation of several consumer rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. Hence, this company is in violation of two different consumer credit rights.
Consumer complaint received 2023-10-19
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. (GA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2020-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NC)

Recently, I disputed a trade line being reported on my credit reports by XXXX/XXXX XXXX XXXX. The results of the dispute came back as 'verified and accurate '. Thus, because I have no knowledge of this debt, and I disagree with the amount claimed to be owed, I disputed the debt directly with XXXX. I specifically asked for full accounting for the amount claimed to be owed. Meaning, I would like to see the billing and payment history from the date the account opened until the date the account closed. Furthermore, I asked for proof of contract. XXXX failed to send me any of the requested info, but instead, they sent me a typed up bill summary ( attached ). Lastly, I spoke with a XXXX employee and I was told that my records didn't exist and that this account has been placed with Diversified Adjustment Service, Inc for collection. The account has been placed with Diversified Adjustment Service, however, it is being reported by XXXX XXXX XXXX on my credit reports.
Consumer complaint received 2024-03-14
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)

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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-19
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-10-19
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. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-15
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-10-19
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I disputed this account which states it was charged off and written off. Yet it is still reporting as current and negative. Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  This must be closed and removed from my account. Or at least stopped reporting as of XX/XX/XXXX. As stated and not after
Consumer complaint received 2024-03-14
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. (IL)

My consumer rights 15 USC 1681B has been completely violated and I am requesting removal of the following Plz remove the follwing from my consumer report, INQ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not sign any forms XXXX give my written consent to add these reports to my consumer report, as a result my rights as a consumer has been clearly violated, I am requesting the removal of these items within XXXX days as mandated by the consumer law. 

Failure to do so will result in further action being taken, according to consumer law 15 usc 1681c2 I have incl my fie report id and ss crd along with my statement is attached, it is imperative to emphazie that my request to block was NOT made in error, nor was it based on a material misrepresentation.

I did NOT knowingly obtain, or have known to obtain, possession of goods, services or money as a result of the transaction I am requesting to block. Therefore these should be block and removed within XXXX  days or further action will be taken on my behalf and I will sue for character defamation.