davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

AES ( also known as PHEAA ) is consistently endorsing sending repeated documents through the mail related to 1 delinquency, and this happens throughout a period of 30 days. At this point in time, I have no idea how many pieces of hard mail actually were sent, who they were sent to, and if they have proof of sending them and proof of them being delivered. 

I have a huge problem with this because this opens up ANY INFORMATION contained within those mailings to hackers, identity thieves, and any potential individual who wishes to steal information for any type of reason that could be construed as malicious. AES, instead of recognizing that this is a global issue refuses to do anything about it nor will they cooperate with my plea to refrain from this practice. We 've already had one major company who manages the Credit profiles of United States citizens allow and engage in a breach to occur which affected a very large majority of Americans. 

I refuse to be the victim of this type of criminal behavior going forward. Organizations, specifically financial lenders, banks, and Aid organizations need to be maintaining this as all organizations need to have extreme integrity. Conclusively, if AES will admit that they can not do anything about this, then that openly identifies them as an organization who refuses to abide by keeping information confidential. I 'm appalled that we have organizations who are this careless in our society, as our generation of individuals becomes more and more unprotected from those people and parties who wish to do those of us harm. 
Here 's another problem I have with AES responses to this ... they claim that they do n't put any personal information on those mailings. What they need to understand is that ANY INFORMATION on those documents is enough for a cyber-hacker to use to steal information or hack into a system where they can retrieve the identity of an individual/individuals. 

In addition to this, I 'm forwarding all of this to the current President of the United States, because I think he needs to be aware of just how serious organizations are taking security these days. I think it goes without saying that he would agree with me.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (PA)

I am writing to dispute an inaccurate XXXX late payment reported by Midland Mortgage on my credit report for XX/XX/XXXX. This error has negatively impacted my XXXX XXXX. Despite providing evidence of timely payments and requesting correction, the erroneous delinquency remains. The payments made were {$3500.00} on XX/XX/XXXX for XXXX, {$3500.00} on XX/XX/XXXX for XXXX, {$880.00} on XX/XX/XXXX toward XXXX, {$880.00} on XX/XX/XXXX toward XXXX, and {$1700.00} on XX/XX/XXXX to balance out XXXX 's amount due. Not only did I pay XXXX on time, I called to bring the account current in XXXX, but XXXX Mortgage did not initiate the payment. I had to call back in XXXX to request again that the payment be made. I request your office to investigate and take appropriate action to correct my credit report. Thank you for your assistance.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

violation of FCRA VIOLATION OF METRO 2 COMPLIANCE i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS- # XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED.0
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (MI)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 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 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 informationisinaccurate.
Consumer complaint received 2024-06-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (GA)

On XX/XX/XXXX, I was transported to the hospital via ambulance by XXXX XXXX XXXX XXXX, XXXX ( original creditor ). At that time, my medical insurance provider was XXXX. The amount initially billed by XXXX XXXX XXXX XXXX, XXXX was {$4800.00}, but XXXX negotiated a discount of {$2200.00} leaving a balance of {$2500.00}. XXXX then paid {$2000.00} of this amount leaving a balance due of {$510.00}. At some point thereafter, this debt to XXXX XXXX XXXX XXXX, XXXX was evidently purchased by XXXX XXXX XXXX XXXX XXXX located in XXXX, California ( current creditor ). 

On XX/XX/XXXX, I received an email alert from XXXX that my previously exceptional XXXX score had fallen by XXXX points. I immediately logged into my Experian account and discovered that the culprit was Debt Recovery Solutions , LLC located in XXXX, New York ( collection agency ) falsely reporting on behalf of their client XXXX XXXX XXXX, LLC that the balance due is {$2700.00}. 

On XX/XX/XXXX, I disputed the validity of the alleged balance due with Debt Recovery Solutions , LLC along with XXXX, XXXX, and XXXX and provided proof in the form of my explanation of benefits from XXXX that the balance due is only {$510.00} NOT {$2700.00}. 

As of this writing, both XXXX and XXXX have removed the Debt Recovery Solutions , LLC collections account from their respective credit reports on me entirely. XXXX, however, has refused to do so or to even correct the balance due from {$2700.00} to {$510.00} because the creditor has verified to our company that the balance is being reported correctly.
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (PA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2017-11-24
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)

We have an extensive number of reports all associated with our problem and situation stemming back 10 months or more. It has handicapped our ability to borrow severely creating financial difficulties. There are two very distinct issues in complaining about the credit reporting- A ] All three agencies- although advised were in sync with, our information they re NOT as witnessed by new complaints [ Trans Union . ] B ] There are other unknown credit reporting agencies feeding information to potential creditors that have incorrect data. How are we to repot and correct them? Previously we identified one and reported but our understanding is there are OTHERS! The complaint is the total lack of concern by your agency to PROTECT consumers from this abuse? We have been rejected in the past week from close to 10-12 lenders.
Consumer complaint received 2023-01-19
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. (DE)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2017-05-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (CA)

I am on the Income-Driven Repayment Plan for my student loans. My service provider is FedLoan Servicing. I just completed the annual renewal process for my plan, at which time my monthly payments were increased from $ XXXX/month to $ XXXX/month. I am unable to pay the new amount. I did have a very small increase in pay ( 2.5 % ) last XXXX from $ XXXX/hour to $ XXXX/hour. ( I work full-time/non-exempt, which means if I do n't have work for 8 hours/day, I do n't get paid for 8 hours ). I work for a XXXX XXXX XXXX XXXX for people who have severe and multiple XXXX. My pay is approx. minimum wage in the area where I live, which is in one of the highest cost-of-living areas of the United States. My budget is stretched to the limit every month. I was able to pay the $ XXXX/month payments. The new amount, $ XXXX/month, however far exceeds my budget. I am XXXX years old, live in a very small rented room, and on my paycheck, I am not able to save for future health care/living costs. When FedLoan Servicing increased my payment amounts, based on their calculation of how much my income allows me to pay each month, I wrote to them ( on XXXX ), told them that I can not pay that amount, and asked the why the increase was so high, when my pay and pay raise was little. I also provided details and requested that they help me find a way to lower my monthly payments to approx. the amount I paid last year, {$82.00}. They emailed me a form letter on XXXX, saying I would hear from them within 10 days. On XXXX, I received the bill for my next payment, due XXXX XXXX, for {$340.00}. I emailed them immediately, again stating that I can not pay that amount, and asked them to help me lower my payments to approx. the amount I was paying. I understand that it has not yet been 10 days since their XXXX form email, saying I will hear from them within 10 days. I am sending in this complaint, however, in order to get some clarity and support in this situation. I do not understand their reasoning regarding raising my payments so high. Also, with the changes proposed by our new administration in the Federal Government, I do not know if I will have any support in the future. Thank you very much for your assistance.
Consumer complaint received 2017-11-23
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. (FL)

I have a XXXX XXXX XXXX secured XXXX card where I have deposited {$5000.00} to obtained the XXXX card with {$5000.00} line of credit to improve my credit score. That card is being used occasionally and I pay it in full every time I use it. As far as I knew there was no yearly fees in the card since I have multiple bank accounts with XXXX XXXX XXXX. 

I worked really hard on my financial situation for 5 long years to improve my credit score to XXXX since I was trying to get a mortgage loan. Without my knowledge and without any correspondence XXXX XXXX XXXX imposed $ 39 yearly fees on the secured visa card. Since my balance was zero I was not getting any statements from XXXX XXXX XXXX. As I submitted my loan application for mortgage and checked my credit score I see XXXX XXXX XXXX reported to credit bureau my account is delinquent for 60 days for {$39.00} dollars and my credit score dropped to XXXX I spoke to XXXX XXXX XXXX and they are non cooperative, so I paid that {$39.00} dollars and the account still showing 30 days delinquent. I have a zero balance on the card and it 's hurting my hard earned credit score. I should not be responsible for fees on a XXXX balance secured XXXX card which was imposed without my knowledge and without any sorts of communication. Please tell XXXX XXXX XXXX to undo the credit bureau reporting to reflect my original XXXX credit score and I will happily close the secured visa card account. Thanks for looking after innocent victims and consumers.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

Zero Liability Protection on card.fraud was reported immediately and also spoke to Chase after calling the phone number on the back of my credit card in the morning and stating that my card had been stolen out of my possession and there were fraudulent charges. I also have the documentation showing that I made this call and that they sent me a new replacement card I should not be paying for this fraudulent charge chase says they can not find the phone call I showed on my phone records and I even have an email from them showing it. Why are they still trying to make me responsible for this? They cant make up the rules as they go! 
This Is Not A Duplicate.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (NC)

This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from XXXX Data Breach. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : ADDRESSES. 
XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I DONT WORK AT EMPLOYER- XXXX XXXX XXXX XXXX XXXX  XXXX I WORK AT XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OPENED XX/XX/2020, {$1400.00}, XXXX XXXX A.- XXXX XXXX {$2900.00} XXXX XXXX {$290.00} XXXX XXXX {$250.00} MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON XXXX I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

By law, Part of my Compensation approves, XXXX years of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX and an additional six years of one-bureau credit monitoring and identity protection services through Equifax XXXX The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( XXXX XXXX  XXXX ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (NC)

This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These Fraudulent-inquiries, accounts and addresses. 

XXXX XXXX  XXXX I also have never worked at XXXX XXXX XXXX nor XXXX XXXXXXXX Nor have I worked at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I HAVE BEEN TRYING TO DELETE THIS ADDRESS AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE DO NOT PLACE AN ALRET ON MY CREDIT REPORT I WILL KEEP AN EYE ON IT. 

By law part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through Experian and an additional six years of one-bureau credit monitoring and identity protection services through XXXX XXXX The Experian monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( XXXX XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about the accounts, addresses & companies that I am disputing. 
DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Thanks for your help and speedy response, XXXX XXXX
Consumer complaint received 2017-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (FL)

I have contacted the company in writing and on XXXX to verify this debt which they have not! It says originally from XXXX and I have had XXXX for the last 9 years so if it 's accurate it 's way old. They will not contact me back. I have even emailed and called to say I would like to resolve it and instead of contacting me they have now made it a charge off on my credit! It 's a very small amount of money and I would like it off my credit! I feel as though they would rather ruin credit than resolve issues! I 'm a single mother trying to purchase a home for us and this is causing problems for me over {$500.00}.
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting Act, XXXX Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A - States I have rights to my privacy 15 U.S.C. 1681 Section 604 A ( 2 ) - Further states a consumer reporting agency can not furnish my account without my written consent or written instructions.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any reason.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

Unauthorized Inquiries on credit reports XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX