davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In XX/XX/XXXX I began my XXXX studies with the University of XXXX XXXX, CA and completed this program in XX/XX/XXXX. 

I began my XXXX  studies in XX/XX/XXXX with University of XXXX and completed my XXXX  studies in XX/XX/XXXX. 

I was also enrolled at the University of XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX  level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX degree in XXXX XXXX with the University of XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. 

During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. 

Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the Total and Permanent Disability ( TPD ) program for my student loans. 

On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX  and XXXX  XXXX. 

In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. 

Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXXU.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Consumer complaint received 2023-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IL)

On XXXX an electronic payment was sent to PHEAA ( address XXXX XXXX XXXX XXXX XXXX MO XXXX ) for {$4500.00} and processed on XXXX. 
PHEAA was my old loan servicer. 
I have submitted a complaint with Federal Student Aide to determine the status of this payment and can not get any information regarding this payment. 
The payment has not been transferred to my loan provider nor has it been refunded back to me. 
They keep providing me with general information which does not help with locating this payment then getting it to the correct provider. Interest and payments are set to resume in less than 2 weeks and no one will give me any information about it. The payment will pay off my account.
Consumer complaint received 2023-12-03
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. (TX)

Experian Report Number # XXXX XX/XX/2023 : XXXX  collection account added in Experian report, XXXX XXXX dipped by XXXX points XX/XX/2023 : Raised dispute to Experian XX/XX/2023 : Got response from Experian without any details XX/XX/2023 : Decline new credit card due to derogatory comments I am writing to dispute against XXXX XXXX impact ( related complains XXXX and XXXX ) due to collection account listed on my credit report under XXXX account # XXXX, reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The original creditor for this account is a medical provider, TXXXX XXXX XXXX XXXX XXXX XXXX, and the account is related to in-home XXXX XXXX rendered. I am disputing this debt for the multiple reasons, against unfair practices, unequal treatment and unclear policies. 
Lack of Communication : I havent received any written communication either from original creditor TBH and collection company XXXX XXXX XXXX XXXX XXXX ) regarding accounts being transferred or sent for collection. Dispute was raised through Experian, have Experian verified if XXXX have followed all the procedure as per Fair Debt Collection Practices Act ( FDCPA ). Can Experian have proof of any mail correspondence from XXXX to me for this account. 
Lack of Validation : I have not received adequate validation of this debt and proof of services as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I havent received any details from Experian against dispute filed against this account, what all aspect Experian have validated before account was added to credit report and during dispute resolution. 
Lack of Customer focus and voice : Being customer to Experian and exceptional credit history then why credit bureaus dont have pro-active policy to re-check facts before adding collection account and credit impact. If a customer has raised a dispute, then why Experian dont have additional safety for customer to first investigate and not to let such account impact XXXX XXXX. 
Clarity on XXXX XXXX : How XXXX XXXX is calculated, what is weightage of third-party medical debt and why a collection account has too much impacted-on XXXX XXXX while XXXX other accounts are 100 % in good standing?
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Consumer complaint received 2024-04-19
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: EQUIFAX, INC. (TX)

This is outrageous! Despite my repeated attempts to rectify the inaccuracies on my credit report, the errors persist unchecked. It's unacceptable that my creditworthiness continues to suffer due to these unresolved issues. I demand immediate action to correct these errors and restore the accuracy of my credit report!
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 — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I haven't given any permission to the consumer reporting agencies of any bankruptcy on my report from Experian, XXXX, XXXX etc... .I am requesting for deletion from credit report. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Experian and XXXX are consumer reporting agencies and I am the Consumer.I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Comgress that each financial institution has an affirmative and continuing obligation to respect privacy of its customers and to protect the security and confidentiality if those customers ' nonpublic personal information.
Consumer complaint received 2023-12-03
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. (UT)

I filed a dispute with Experian On XX/XX/2023 Regarding a late payment on my credit report. The account was a credit card I have from XXXX XXXX XXXX XXXX. I Provided Bank statements showing 4 highlighted transactions stating payments made to XXXX XXXX Which is the account code for my credit card. Given the proof provided. Experian Refuses to change the late payment to a positive payment and it is negatively affecting my credit report.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

On my credit report experian has my balance at {$210.00}. I owe {$120.00}. Not only that but they arent even reporting to my credit anymore and havent in months which in result is counting as late payment. I have had perfect payment history on my credit since Ive had credit. Ive also worked extremely hard to build my credit. With XXXX I also had perfect payment history for over a year, I was a day late on a payment they took my entire credit line away that took new over a year to build. I refuse to pay what I owe until this is fixed or removed from my credit since they are no longer reporting. I should not be considered as late payment because theyre not reporting. I have disputed twice and no help
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

My credit report shows an address in XXXX, NV. 
I have never lived there and do not even know where it is. 
How do I get this information removed please? 

Thank you
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am filing a complaint with the Consumer Financial Protection Bureau regarding XXXX XXXX XXXX And Equifax 'S failure to remove fraudulent accounts from my credit report, despite providing evidence of the fraud. These accounts were opened in my name without authorization, and despite repeated attempts to rectify the situation, XXXX has not taken appropriate action. This situation is adversely impacting my credit score and financial well-being. I request the Consumer Financial Protection Bureaus assistance in resolving this matter promptly.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-12-03
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)

Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account I did not attend school and this is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX/DEPT OF ED Account number XXXX XXXX/DEPT OF ED Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

ccount name XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX My employer is : XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2018-12-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NY)

I got approved for a modification by my mortgage servicer caliberhomeloans my loan holder XXXX XXXX XXXX i made all my payments never missed a payment from XX/XX/2018 through XX/XX/2018 in XXXX caliberhomeloans notified me they where transferring my mortgage payment over to XXXX XXXX ... XXXX XXXX was to take over my payments XX/XX/2018 caliberhomeloans told me to make the XXXX payment to caliberhomeloans and they would transfer the payment to XXXX XXXX ... .now its XXXX and caliberhomeloans will not transfer the payment and XXXX   XXXX is starting i am behind in escrow and they have to raise my payments ... XXXX XXXX has been holding all my payments in a suspend account not applying my payments. I told XXXX XXXX i made XXXX payment to caliberhomeloans and XXXX XXXX said they would get the money from caliberhomeloans but its XXXX and XXXX XXXX has not solve the problem and stating my payment will go on top of my monthly payment i paid XXXX  XXXX estra dollars to try to solve the problem but XXXX XXXX did not apply theXXXX dollars to my escrow i want to know why caliberhomeloans did not transfer my XXXX mortgage payment and why XXXX XXXX is holding my payments in a suspense account ... ... also i have received caliberhomeloans and XXXX XXXX documents with the same address and same po.box number something is wrong here..can someone please help solve this problem
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX  i placed a stop payment on a charge that was named XXXX XXXX after noticing they took {$7.00} from my account.Then after that I noticed on XX/XX/XXXX  that the same merchant was able to take out {$5000.00} three different times from my account. When I filed the claim they told me that when I put the stop payment it would still be possible for the merchant to take money from my account. I was unaware of that, when I put the stop payment I was under the impression that they wouldnt be able to take any money from my account anymore. If I wouldve known that a stop payment doesnt guarantee the merchant wont find another way to charge my account I wouldve got a new card and account and routing number. Not even a week later, my claim was denied stating that I authorized those three transactions for {$5000.00}. When asked for a good explanation why the claim was denied they couldnt give me one. As you can see on the documents they credited the {$7.00} but didnt credit the {$15000.00} and theyre all from the same merchant that i put a stop payment on. After researching online i found that JP Morgan Chase Bank is known for denying claims and not taking responsibility for losses.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IL)

This bank has double charged me {$270.00} back in XXXX. I filed a dispute with them, and they credited my account for that amount. Since then my account has been XXXX on 9 separate occasions. Thats a total of - {$2400.00}. I brought it to their attention, their response was that they only see one transaction for that amount, after I have provided documentation showing proof of their mistake. This bank only wants to make money off their consumers with providing little to no help at all!
Consumer complaint received 2023-12-03
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. (NJ)

I have dispute fraudulent information through Experian, XXXX and XXXX for fraud inquiries, accounts and addresses. I requested that all info be verified in writing at this moment I have not received any dispute results. I asked that all accounts be verified with my signature, if this can not be given, all account must be deleted.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (AZ)

I initiated couple of outgoing transfers ( {$80000.00} and {$10000.00} ) from my BMO XXXX XXXX account ending in XXXX to my XXXX account on XX/XX/2023 and XX/XX/2023. BMO initiated a review for both transactions. I got a call from BMO XXXX on XXXX XXXX XXXX XXXX XXXX which I could not answer. BMO left a voice message to call back to XXXX and immediately put a freeze on my account. Currently, I am not able to log into the account. I tried calling back to this number multiple times and it went to voice message which was full. I also tried calling BMO 's customer service number XXXX. I waited for more than 2 hours and eventually got connected to a representative. He was not so helpful and asked me to call back to XXXX. I tried calling this number again and got routed to voice mail. When I searched about this issue in XXXX, looks like others are facing similar issues. Please see the last review comments in this link - XXXX XXXX XXXXbmoXXXX I also raised a complaint with FDIC. Case XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Im submitting today a complaint to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that are being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX