davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IL)

I contacted Ed Financial Services on XX/XX/XXXX, after noticing that my loan balance on the Federal Student Aid website had changed from Paid in Full, {$0.00}, to $ XXXX owed. I thought this must be an error, since it had been more than one year since the account was paid in full ( I have documentation clearly showing the {$0.00} as of XX/XX/XXXX ). 

Ed Financial Services contacted me on XX/XX/XXXX via email with an automated message which stated that I had a new message in my account on their website. I logged in, and found no message. I filled out another contact form, since they do not provide an email address that can be contacted. 

Ed Financial Services finally replied to my complaint on XX/XX/XXXX about them attempting to charge me over {$24000.00} for a debt that was Paid in Full in XX/XX/XXXX. In this email reply, they stated that they began an account transfer from one platform to another in XXXX of this year, and that is why my {$0.00} changed to over {$24000.00}. This does not explain why my balance would be {$0.00} for over a year, and showing as Paid in Full, since they clearly state that the transfer began on XX/XX/XXXX. This year. 

I feel that Ed Financial Services has made a gross error, and is attempting to collect a fraudulent debt. They deny this, and refuse to review the documents I have uploaded on their website twice for their review. Ed Financial Services gives no other option for document upload. I feel that, even though this is an error that could be easily fixed by reviewing the documentation I provided and adjusting my account balance to {$0.00} as it was in XXXX of XXXX, Ed Financial Services has instead decided to attempt to steal tens of thousands of dollars from me and to destroy the credit I've worked incredibly hard to rebuild. 

This fraud and illegal activity is unacceptable. No company gets to reflect an account that is Paid in Full for a full year, without any type of contact to dispute the account status of {$0.00}, then to bill former clients and try to fleece them for tens of thousands of dollars!
Consumer complaint received 2023-04-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (CA)

Received a notice from this Collections company and on the notice they stated, " The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency. '' However, this was false and they reported this debt to my credit report. I have attempted to verify this debt as I do not recognize it, however, they have been unresponsive and uncooperative and telling lies on their correspondences. 

Attached PDF may require password to access, it is : XXXX
Consumer complaint received 2023-08-08
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-18
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. (VA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2020-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (GA)

I have attempted to contact Credit Management in regards to reporting inaccurate information on my credit profile in the amount of {$520.00}. I am requesting that Credit Management follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature I expected to receive the proof requested within 15 days of the letter. They have continued to ignore my request for validation of the debt and I reserve the right under my consumer rights as specified under both the FDCPA and the FCRA for requested information above.
Consumer complaint received 2023-09-04
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This is a predatory lender. Selct portfolio services. I my original mortgage was with XXXX XXXX. SPS bought the loan, where the problem is they have sold my information to realtors but I cant out right prove but they have because SPS buy loans that are in danger of foreclosure. My problems comes with the escrow part they keep bumping my payment so high to where there trying to put me in danger of losing my house .I made all the payments and they keep double the escrow saying I need a cushion but they can not send me anything in writing.
Consumer complaint received 2023-07-18
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)

I am contacting you to request the prompt deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and details should not be reported as they violate both the FDCPA and FCRA regulations. I insist on the immediate removal of these items to rectify this breach of multiple laws. Please take the necessary steps to remove these accounts and information from my consumer report without delay.
Consumer complaint received 2020-12-23
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX is currently reporting an account it alleges I have with them. 

I have previously asked them to provide me with documentation that would provide both validation and verification. All that was provided was an account with payment dates. None of these pages have an original signature from me. 

Nor have they provided any documentation to me which even proves that they acquired the date, the manner in which they acquire it and how much they supposed paid for said debt. 

Furthermore, while I had not considered legal action, if the paperwork is not provided to me, I will file suit with the FTC and other agencies to resolve in one manner nlt XXXX XX/XX/2021 as I have been waiting almost a year now for them to provide me a signed document where I contracted them to do any business with or for me. Or any document where and how they acquired this debt.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, TXXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX and XXXX XXXX XXXX
Consumer complaint received 2018-10-15
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: CITIBANK, N.A. (NJ)

In reference to my XXXX XXXX XXXX CREDIT CARD. On XX/XX/2018 I contacted XXXX Customer Service because I noticed that my payment in the amount of {$1600.00} was applied to my old account which was compromised ( fraudulent charges that I found and disputed and has since been settled ). This payment was intended to pay the credit charges I made on the new account. Upon speaking with customer service at both XXXX and XXXX XXXX, I came to find that one of the fraudulent charges was posted to my new account and subsequently removed. The remaining balance on the account was {$890.00}. I directed XXXX 's customer service to use the {$1600.00} payment to pay the card in full and send me a check for the balance of {$700.00}, which they did. 
In looking at my next statement I noticed a posting indicating a sale on XX/XX/2018 for {$700.00} - the exact amount of the check that was mailed to me. I wasnt able to dispute this sale and I called to clarify on XX/XX/2018. I added all of my receipts since the last statement and my account is over by the amount of the check that was mailed to me. In essence, XXXX mailed me the overpaid balance but then posted it to my account as a sale. I was not refunded the overpaid balance. They manipulated my account, made an error and then charged me the amount that was owed to me. I called on XX/XX/2018 and on XX/XX/2018 to make a formal complaint and dispute the {$700.00} and the supervisor I spoke with said that I could pay my account minus the {$700.00} as my statement was due. I called again on XX/XX/18 and this has still not been rectified. To date, after numerous attempts to have this matter resolved, XXXX XXXX XXXX refuses to acknowledge that my account is inflated by {$700.00}. They insist that the charge of XXXX to my card is simply the way they reflected the remittance.
Consumer complaint received 2015-06-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was XXXX on XX/XX/XXXX. I was unable to make my mortgage payments as I had no income while I was living in XXXX. Countrywide lending put in for forclosure and BOA ended up with the loan. BOA reported to XXXX in XX/XX/XXXX that my mortgage was forclosed on. Now BOA is saying that they never forclosed on my loan and they are harrassing me after I sought credit help to fix my credit with XXXX. BOA changed their paperwork to say that it was never forclosed on in XX/XX/XXXX and I have the XXXX report that I printed out to prove it says forclosed owed {$0.00}. BOA is so very dishonest they only changed the status of the loan after XXXX contacted them!
Consumer complaint received 2023-07-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
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: FORD MOTOR CREDIT CO. (NY)

My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.FRD MOTOR CR XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CO)

Regarding Macy 's Department Store I had a Macys charge card with a XXXX balance. I made a purchase in 2018 and charged it to my card. 
I paid the bill in full but it was about 20 days late Since then interest & penalties have been accumulating to a total of {$300.00} until they finally dismissed it. 
and then tried to ruin my credit with all 3 agencies.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I checked my credit reports through XXXX XXXX and XXXX. I have two credit cards with USAA and on all my credit reports, it shows that one of my credit cards has been closed. USAA said everything is normal and their no restrictions on the accounts and dont know why they would show closed on my reports. My credit reports are being tampered with and Im in the middle of home buying. I need help. Closing accounts can show as negative on credit reports and I need to know why this happened. Its not fair.
Consumer complaint received 2023-12-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO. (NC)

I am in a joint account with my mother. Ford motor credit is the account holder. We purchased a vehicle that had a faulty engine. We replaced the engine in the amount of XXXX dollars and Ford motor credit differed XXXX  month payment in which I made on time and was paying way more than the minimum balance. After several weeks with a new engine vehicle started to over heat again and risked blowing the engine once again. We contacted for and no help was provided or given to assist us in this problem. The car kept giving us problems and could not trade for another vehicle due to the low value of the vehicle. We were stuck with a monthly payment and could n't drive it due to this same issues.
Consumer complaint received 2023-01-24
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)

The credit bureaus never did a proper investigation according to the FCRA In accordance with the fair credit reporting everything has to be a 100 % accurate on my credit report The credit bureau 's stated my account was properly investigation but how is that possible if the open date last active is inaccurate and the date last reported is not accurate this is grounds for removal. 

In accordance with the fair credit reporting at XXXX Accounts & numbers : 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 states I have 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-05-22
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. (NJ)

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX of 2020, I was informed by a former roommate that she had received multiple calls from BANK OF AMERICA looking for me and looking to talk to me. The caller proceeded to leave a voice message stating that they were calling for me stating my full name and requesting for me to call them back. 

I believe this unauthorized called by BANK OF AMERICA to my former roommate of over 5 years ago is a complete violation of my privacy and my consumer rights. This former roommate has NO association to me nowadays and we are not even acquaintances anymore. 

Why would BANK OF AMERICA make this unauthorized phone call to bother a person that is completely unrelated to me and who has no relation or contact with me at all. How did BANK OF AMERICA obtained this information of a person that I lived with many years ago even prior of me having any business association with BANK OF AMERICA. 

Again, this is a violation of my rights. I DO NOT CONSENT TO ANYMORE CALLS EITHER TO MY PERSONAL PHONE, WORK PHONE OR DISTANT, FORMER ACQUAINTANCES, FAMILY OR FRIENDS OF MINE BY BANK OF AMERICA. 

I request for BANK OF AMERICA TO CEASE AND DESIST OF ANY UNAUTHORIZED PHONE CONTACT TO ALL MENTIONED ABOVE.
Consumer complaint received 2022-12-24
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. (NY)

I consistently and constantly have to report problems so your agency and I have not gotten nothing done so I don't really understand what's the purpose of going through y'all when y'all don't even help us okay I'm submitting documents I'm submitting proof and then nothing is being done on your behalf the cfpb that's supposed to be helping us y'all do nothing this company experience is abusing my credit okay XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX are higher than what they have on my account your question should be asking them why that shows that is inaccuracy on their reports it's no other way to look around it what the XXXX are we calling you people for y'all not even helping us I think y'all work together because it's baffling how people are reaching out to y'all when y'all supposed to be the father of that organization making sure they're doing their due diligence when y'all not doing your due diligence this is directed to cfpb now for the credit company experian i call report what was wrong and nothing g was done so mabe XXXX can have them explain what are all 3 credit scores are different why do the other 3 credit companies don't have a auto loan on my account and experian does this needs to be answered before 30 days im in contact with a lawyer im just keeping records and as far as the cfpb your company really don't help people.