davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute certain accounts that are held by your company. The accounts in question are as follows : XXXX XXXXXXXX XXXX  XXXX : late payment account XXXX XXXX XXXX XXXX : charge off account XXXXXXXX XXXX XXXX : inquiries on XX/XX/XXXX I believe that your company has violated several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and/or the Fair Credit Billing Act ( FCBA ). 

The specific violations that I believe have occurred are as follows : With respect to the XXXX XXXX XXXX account, I believe that your company has violated the FCRA by reporting a late payment on my credit report when the payment was made on time. This has caused my credit score to decrease and has made it more difficult for me to obtain credit in the future. 
With respect to the XXXX XXXX XXXXXXXX account, I believe that your company has violated the FCRA by reporting a charge off on my credit report without providing me with proper notification and an opportunity to dispute the debt. This has caused significant harm to my credit score and has prevented me from obtaining credit. 
With respect to the XXXX XXXX XXXX account, I believe that your company has violated the FCRA by making unauthorized inquiries on my credit report. These inquiries were made without my permission and have caused my credit score to decrease.

As a result of these violations, I have suffered financial harm and/or other damages, including being denied credit and having my credit score decreas
e.
Consumer complaint received 2023-05-30
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. (PA)

I have emailed the department or educationXXXX and also filed disputes with all 3 credit bureau XXXX My student loan has been in deferred for years now. How can they report ok XXXX and XX/XX/2019 then all of a sudden report 90day late XX/XX/2019. I was not 90 days late I was deferred but also you can not jump to 90 and skip 30 or 60 day. This is incorrect reporting and needs to be deleted or updated to never late
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-01-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-08-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (OH)

On XX/XX/2018, I received a letter from a debt collector Phoenix financial claiming that a debt was owed by me to another debt collector XXXX XXXX. I responded with a cease & desist letter on XX/XX/2018 that they received on Friday XX/XX/2018. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The response I got back was a letter dated XX/XX/2018 of a debt verification notice which is not the proper procedure of a cease & desist in pursuant too the FDCPA, which is in violation of the FDCPA 15 USC 1692e ( 10 ) false and misleading representation {$1000.00}. The FDCPA is clear on a 15 USC 1692 cease & desist letter what is to be done. ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. As you will see in their response letter, Phoenix clearly did not do any of the following, they used false and misleading representations to try to collect this debt which not owed to them. I have never agreed to pay them which violates the Ohio Statutes of Frauds ORC 1335.05 which carries a heavy fine of {$10000.00} US. Furthermore, Phoenix furnished a deceptive form that is attached to this complaint, which violates 15 USC 1692j ( a ) {$1000.00}. As you will see in their response that they are not even registered to collect debts in Ohio, and by sending this communication through the mail it also has the following criminal violations : 18 USC 1960 Civil Rico {$10000.00} to each party including criminal charges ; 18 USC 241 Conspiracy against rights ; 18 USC 242 deprivation rights under color of law {$10000.00} to each party including criminal charges ; 18 USC 1341 Fraud and swindle, {$10000.00} to each party including criminal charges ; 18 USC 875 Interstate Communications with the intent to extort, {$20000.00} to each party including criminal charges. Phoenix Financial are using my Social Security Number with out my permission and that violates the SSA and the privacy act of 1974. I Have sent out a Notice & Demand to Phoenix today, XX/XX/2018, demanding the damages that owe me for this violating act which the total sum is quite extensive, and further, will file criminal complaints to the justice department for their criminal violations concerning this debt.
Consumer complaint received 2018-08-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite three written requests, the unverified remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2023-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

I have previously had account with XXXX since XXXX always paid my bill never had any issues. I have received a bill for over XXXX stating I owe this amount these purchases was made in XXXX I haven't made a purchase since XXXX. I called the company explaining to them the charges wasn't mine I never made them, I don't know who did them. I don't have any of the merchandise they claimed I purchased. I have had my identity stolen before and it has been reported. The company has sent this debt to collections and its damaging my credit, I have disputed this debt with the credit bureaus directly and nothing is getting done.
Consumer complaint received 2024-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Servatus Corporation (NY)

On XX/XX/XXXX, I missed a call from Credit Solutions Corp and I was curious as per who was calling me as caller ID flagged as suspected spam. Naturally, I called back to find out who was calling me. The agent told me that he was calling in regards to an XXXX account in collections. I was confused, I told him that I already paid the debt off over two years ago. The agent was very certain that I owed this debt to his company. After I explained a couple times that I already paid the original creditor of the account in full the amount in question. He was very adamant about me paying another company did not resolve this debt. I told him that I resolved the debt with the original creditor. He told me that it was not his companies responsibility to communicate with the original creditors and status of the account. That even though I had paid and resolved the debt over 2 years ago, I am still getting harassment from collectors saying that I still owe them. After being talked down to the point where the agent said I don't think you know what you are saying. I called the XXXX  to see why I am still gettting debt collections calls on a matter that was already resolved. They looked into it and confirmed the balance was resolved back in XX/XX/XXXX. On XX/XX/XXXX, I called back and they verified that the balance was in fact not owed, and the agent didn't apologize for contacting me when there was absolutely no need.
Consumer complaint received 2023-10-14
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. (OH)

Between XX/XX/XXXX and XX/XX/2023 a hard credit inquiry was made by Equifax XXXX. I have not inquired about any credit or loan products in XXXX or from Equifax and am worried that this is fraud.
Consumer complaint received 2017-09-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (PA)

From XX/XX/XXXX, 2017, through XX/XX/XXXX, 2017, I have tried to continuously get the information that is being reported as not paid and requested for validation of the debt, however, no one has responded to me.
Consumer complaint received 2024-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

When I signed up for my school I was told that I would be getting federal loans and that those loans would be paid to what I thought was a reputable school. Today, I am part of XXXXXXXX XXXX XXXX and have been granted discharge due to my school being deemed having used fraudulent tactics. My issue is that my loans were not direct so due to this I'm not eligible for a refund, but I've paid almost XXXX back towards the loans that were forgiven and a degree that is no longer valid and not worth the paper its printed on because the school is closed, while others who did not have FFEL loans, but direct loans, get their money refunded. Where is the justice in this. I feel like I should be made whole by XXXX XXXX XXXX via Navient and that the money I paid in should be refunded.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This account has not been properly verified. DATE OF LAST ACTIVITY IS INACCURATE. 


PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX XXXX XXXX THANK YOU FOR YOU TIME
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

CFPB, This credit bureau has failed to meet the FCRA on numerous occasions. I have filed 3 dispute letters for the past three months regarding a Bankruptcy on my credit report. They continue to deem this verified as accurate but, they have failed to provide proof or a verifiable signature that this is in fact my bankruptcy. I am requesting this be removed from my credit report immediately based on the fact they have not meet the FCRA over and over again. 

Thank you
Consumer complaint received 2024-06-06
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. (WI)

Dear CFPB, I am writing to express my extreme dissatisfaction and request immediate action regarding the ongoing failure to for the credit bureaus to be addressing the fraudulent accounts, inaccurate information, and the resulting negative impact on my credit reports. The repeated negligence from these companies in handling this situation is unacceptable and constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Background : In XXXX of XXXX, I submitted detailed disputes outlining fraudulent accounts on my credit report. 

To support my claims, I provided extensive documentation : A copy of the Federal Trade Commission Identity Theft Report ( FTC Report ) filed on XX/XX/XXXX and again on XX/XX/XXXX An affidavit outlining the fraudulent activity. 

Additional documentation which includes information from text messages that took place with the caregiver of my children who opened these fraudulent accounts and made it appear as if myself and significant other are to be at fault. 

Unacceptable Response : The continued presence of fraudulent accounts after I have provided substantial evidence on multiple occasions is a gross violation of the responsibilities under the FCRA. This negligence severely damages my financial reputation and well-being. 

Specific Issues : XXXXXXXX XXXX  actions, including their refusal to acknowledge the fraudulent account, have resulted in a significant decline in my credit score. This has caused my credit score to go from XXXX down to below XXXX. 

Speedy Cash : This account was removed, however the debt collectors account is now showing on my credit reports. 

XXXX XXXX : Account shows removed, yet remains on credit report. 

XXXX XXXX : Account is current and has not been updated since XX/XX/XXXX. Showing past due payments from end of XXXX as being a negative item on my report. XXXX XXXX adjusted these past due payments and removed them as being past due after caregiver had stolen funds out of my checking account. Therefore this account should not be reported as past due. 

XXXX XXXX : Account says removed from credit report, yet it still showing on report. 

I have disputed all of these accounts with all credit bureaus numerous times and they are still not being handled in the proper manner. I have submitted proof to the credit bureaus numerous times, as well as to the creditors themselves. Yet these accounts are still being shown as mine upon them being fraudulent. These accounts have caused a SIGNIFICANT decline in my credit score.
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (IL)

I contacted American Express to change my XXXX XXXX XXXX card to the Delta SkyMiles blue card due to having an annual fee. I was assured by the representative that completed my product change that my credit limit of {$1700.00} would remain the same and that there would be no credit pull since all they were doing was a product change. XXXX days after my account was converted to the XXXX XXXX XXXX card, American Express lowered my credit limit to {$1000.00} stating that due to credit pull my score had gone down. During that few day period I made several purchases and paid them off the same day, I spoke with another representative that said my account would be re-reviewed and that someone will call me within XXXX business days, I never received a phone call and my limit remains at XXXX. I feel this is discrimination because I'm not giving American Express additional money from an annual fee and just because I downgraded my card, they decided to lower my limit. I've been with American Express for a few years now and have always paid my bill and paid off my credit several times in full in the past.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX please 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 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion sent me a credit report ( re complaint : XXXX ). 
I found that there was important information missing on my credit report related to my credit card payments. 
I attempted to submit a dispute online ( XX/XX/year>? ), but the website showed " We're unable to complete your request online. ", I got this option before even entering what the dispute was related to. ( It still shows this error ) I then contacted an agent via the website 's chat feature. The agent said they would be happy to submit a dispute for me. I gave them all the details as they requested and they said the dispute had been submitted. 
I heard nothing from Transunion and checking my account now it does not show that I have submitted a dispute.
Consumer complaint received 2024-07-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (WA)

On XX/XX/year>, I submitted my application to Nelnet for Total and XXXX  XXXX Discharge. 

On XX/XX/year>, I submitted additional supplemental information to support my claim of XXXX  XXXX. 

On XX/XX/year> I received a letter from Nelnet ( see attached ) informing me that my application was denied because it wasn't signed by a qualified medical professional. My application ( see attached ) was signed by my primary care doctor who is listed on my XXXX XXXX XXXX  card. 

On XX/XX/XXXX, I wrote to Nelnet asking why my application was denied because my doctor 's information and signature is very obviously on the document in question. They have not replied. 

On XX/XX/XXXX, I submitted a complaint to studentaid.gov. My case number XXXX. They said they would get back to me in 15 days. They have not gotten back to me.
Consumer complaint received 2024-07-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Credit Control (CA)

This was the 1st letter Reference : XXXX without an actual date but said I was disputing it. The 1st letter said I need to responded by " XX/XX/XXXX '' Then I get another letter with a different reference number Reference : XXXX. The 2nd letter said I need to responded by " XX/XX/XXXX ''. I never received the information from the 1st letter.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (OH)

In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2024-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (FL)

We have been trying to get this resolved since 2017 and the bank representative will not send us copies of the documents showing that we signed for the loan. Were requesting copies of the transcript of the mediator selected by the bank representative to resolve our case. The bank representative has sent us checks in the amounts of {$200.00} with no explanation how they calculated the checks amounts. We have gotten letters from the bank representative strongly suggesting that we need to cash the checks without any explanation of the proof of how the amounts were found. I am going to attach copies of the documents that we received from Wells Fargo Bank. We still feel that we are being discriminated against because of our age and race.