davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AL)

I currently have about {$250000.00} from undergraduate and medical school in direct student loans serviced through FedLoan Servicing. My student loans were transferred to FedLoan Servicing in XX/XX/XXXX after I submitted documentation and certification for the Public Student Loan Forgiveness program. I have been making qualifying payments for this program every month since XX/XX/XXXX while working under federal non-profit 501c3 entities. This program requires 120 payments after which remaining student loan debt is forgiven. In order to assess progress, an accurate payment count is essential. FedLoan Servicing has been in the process of calculating my payment count since XX/XX/XXXX. I have called multiple times to check on the state of the payment count in the last year and have been repeatedly told that the process " just takes time. '' They can not give me any reasonable estimate of when the payment count will be counted. Their website lists 7 qualifying payments. By my record, I have made at least 60 qualifying monthly payments. In the meantime, I continue to make significant monthly payments in the hope that the FedLoan will eventually straighten my account out. After over a year of waiting, I would like to submit a formal complaint regarding the poorly efficient, inaccurate and incomplete customer service that FedLoan Servicing is providing to borrowers.
Consumer complaint received 2021-11-17
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. (WV)

This is my 5th request for my full file disclosure from Clarity and is a follow up to complaint number XXXX. 

Is Clarity FCRA compliant? They advertise they are! 

Their website states : " Claritys suite of FCRA-regulated reports ... '' Clarity states XX/XX/2021 they sent my disclosure. This is a complete and total fabrication of the truth. They did send a security freeze request, an incomplete Experian credit report and background data letter. 

All are attached. 

So this is my 5th request. It sure appears there is an issue? What are they hiding?? Does Clarity have a compliance problem? Does the FTC know they advertise as " FCRA regulated '' but won't send a simple full file disclosure???
Consumer complaint received 2023-01-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MO)

Since XX/XX/23 I made a wire transfer for XXXX dollars since XX/XX/23 my funds got rejected by the bank where i did the transfer which was a international wire transfer so why PNC never gave the funds back if the bank never got the funds in the first place which i know for a fact the wire is returned to the client if funds get rejected and at least notify the client when the rejection was stated on XXXX XXXX and with reason its been over XXXX weeks never received the XXXX dollars back and just to add never been notified about this rejection and of top of that they are wasting time and resources for this XXXX dollar wire
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In Accordance with the Fair Credit Reporting ACT XXXX Account Name : XXXX XXXX XXXX ACCOUNT # 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 an account without my written instructions.
Consumer complaint received 2021-11-17
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. (FL)

Experian has refused to answer my letter requesting an investigation into two separate accounts by XXXX XXXX that were opened by some other person. Possibly a relative, but I am not sure. I have asked they produce the original documents containing my signature from XXXX. They have ignored all my requests. I have filed an ID theft report and they ignored that as well. They are willfully violating Federal Law. They must provide the original documentation or remove this. Neither are mine. 
These accounts are : XXXX XXXX XXXX - Closed Account Info XXXX  over labels for more details Account number XXXX AND : XXXX XXXX XXXX - Closed Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2013 Account type Auto Lease
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (GA)

I financed a XX/XX/XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX the vehicle was involved in a accident, XXXX paid on the car and the gap insurance paid the rest. I don't remember the exact date but recieved information that the car was paid off. I believe it was at the end of XX/XX/XXXX. The status of the loan is still open on my credit report and it's making it hard for me to get a home loan. I will be contacting XXXX XXXX XXXX today. Please respond with solution to help me. Thanks
Consumer complaint received 2021-11-17
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-11-17
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: EQUIFAX, INC. (IN)

When logging into myEquifax, it consistently shows that my account has not been updated since XX/XX/2020. 
Additionally, I have been trying to dispute inaccuracies with XXXX XXXX XXXX account. This account was closed, however, it is showing as written off. Due to the circumstances and the fact that it is included in a pending lawsuit, I asked if it could be removed. The account has been settled and paid in full. 
This information was also confirmed to me by the lender directly. However, I am not seeing any updated remarks on this matter.
Consumer complaint received 2024-02-16
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. (GA)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account Number:XXXX My parent has the same name as me. 

XXXX XXXX XXXX  - Account NumberXXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX XXXX - Account Number:XXXX XXXX XXXXXXXX - Account Number:XXXX  Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

XXXX XXXX XXXX XXXX Account Number:XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX - Account NumberXXXX  This is not mine. 

XXXX / XXXX - Account Number:XXXX  Please Update all payments, all pay was made on time
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (OH)

I have written to XXXX XXXX, XXXX, and XXXX on several occasions disputing inconsistencies regarding wrong name variations, addresses, social security numbers, phone numbers and erroneous accounts. The credit bureaus continue to state that they have verified the debt and items have been deleted/removed. Let this be a formal complaint against XXXX and XXXX. The following accounts are the items the credit bureau has refused to investigate, delete, and remove : NATIONAL CREDIT ADJUSTERS , LLC : XXXX AND # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX. In addition, XXXX is reporting XXXX XXXX XXXXXXXX XXXX # XXXX and XXXX XXXX # XXXX AND XXXX AND XXXX are not reporting the same account information. Why is all the provided data different on each credit report? According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. If the account can not be verified, your company must delete the account from my credit report. Please be reminded it is your duty to ensure that all information reported is consistent and most importantly, accurate and you have failed to do so per the Fair Credit Reporting Act
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC (FL)

transworld systems has lied orally and in writing that they do not own the debt that they are trying to collect the original creditor an apt . sold the debt transworld has lied over and over that they represent the apts and do not own accfount have letter from them thayt says the apt is creditor lie credit reports show they own account cant move turned down from 3 apts because of this we are in our 70s and held hostage
Consumer complaint received 2021-11-17
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report and need to update from reporting. 
XXXX***-Balance {$550.00}
Consumer complaint received 2021-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (WA)

I purchased a XXXX XXXX XXXX from XXXX of XXXX on XX/XX/XXXX for the sale price of {$18000.00} I put {$3000.00} for a down payment and financed {$17000.00} through Global Lending Services. This would make my monthly payments roughly {$500.00}, to which I agreed to pay. According to their records I missed my payment for XXXX. I put {$3000.00} down which would have been my payment. They also show that I missed my payment in XXXX, this too is incorrect. COVID-19 hit the US in XXXX and I lost my job, I reached out to them and received a 1 month exception that allowed me to miss the payment and it would be added to the end of my loan. I made the next few payments but then after being out of work for a prolonged period of time I began to struggle financially. When XXXX came I was behind 2 payments, or {$1000.00}. On XXXX XXXX I was t-boned by someone who ran a stop sign. I had my car towed to a body shop to get an estimate on repairs. A few days later the insurance company would take possession of the XXXX and deem it a total loss. While the investigation into the crash was ongoing, I made my XXXX payment as scheduled. After the investigation was concluded Global Lending Services was issued at check for {$14000.00} on XX/XX/XXXX by XXXX XXXX XXXX. Assuming they received the check a few days later in XXXX wouldn't that count as a payment? Also I didn't have the car I shouldn't have to pay for something I don't have, right? GLS continued to hold me responsible for the XXXX until they wrote off the account in XXXX. Because of this my XXXX insurance only paid {$370.00}. I still don't know why the account was closed so quickly without getting the chance to pay it off. I'm not disputing that I owe for those missed payments but they are saying I owe {$3800.00}, which is more than double what I think it should be. I have written them trying to get some explanation and all they did was send me a copy of my payment schedule that shows I missed XXXX and XXXX. But like I said I didn't have the car and they were issued a check for it.
Consumer complaint received 2024-02-16
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. (CA)

On XX/XX/2023, I mailed letters to Experian, XXXX, and XXXX via certified mail advising them to remove information based on discrimination, improper use of my credit, and sharing my information with 3rd parties.
Consumer complaint received 2022-05-22
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: EQUIFAX, INC. (NY)

There is an authorized User account on my Equifax credit report. This is a charge-off account, therefore negative, that I am not financially responsible for due to me being an authorized user only ( shows that in attached Equifax Credit report ), and I disputed this item with Equifax and XXXX. XXXX deleted this charge-off account from my credit report IMMEDIATELY ( see attached XXXX dispute results and XXXX credit report ), and Equifax did nothing, only verifying the item belongs to me. ( See Equifax Credit report and Equifax Dispute Results ) Please remove this negative item from of my report immediately. I have attached also excerpts from both Equifax and XXXX websites that further say that authorized users are not responsible for debt.
Consumer complaint received 2021-11-17
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. (MA)

transunion was supplied with legal docs to fix the false reporting that i owed XXXX XXXX XXXX dollarson excise tax for XXXX on a car i returned to them in XXXX thus canceling the lease after the mass attorney generals help they have reported the correct info thus the other credit reportind co. have fixed my report and my fico score is back to XXXX excellant but not transunion just tried to help my daughter get a lease and vantage score is still XXXX fix it back to XXXX like it was before all the XXXX
Consumer complaint received 2024-02-16
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: Experian Information Solutions Inc. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2021-11-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (VA)

I have been struggling to repay this loan for some time and have also been trying to get the cosigner released for some time as well. Navient would not work with me to lower the monthly payments. Most recently I had a baby in XX/XX/XXXX and have not returned to full-time work yet. I finally, with help from my mother on the call, got Navient to lower the interest rate and provide me with a payment that is affordable. On XX/XX/XXXX we paid {$130.00} as requested in a letter they sent me. On XX/XX/XXXX the payment of {$140.00} cleared and on XX/XX/XXXX another {$140.00} cleared. The next payment is due to come out on {$140.00}. I am in complete compliance with the payments. However, just this week, both the co-signer and myself received correspondence from Navient indicating that the loan was delinquent and on the verge of default. The next day we received another letter indicating that the account was being transferred to the legal department for further collection as we have made no attempts to correct the problem. I believe that both of these letters are violations of the FDCPA and they are false, deceptive and misleading statements about the current status of my account. We called Navient upon receipt of these letters and were told that the letters are automatic and can not be stopped. This means that Navient is aware that letters with false information and letters containing threats that can not be legally taken are willfully being sent out to consumers.
Consumer complaint received 2021-11-17
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. (IN)

When logging into XXXX, it consistently shows that my account has not been updated since XX/XX/2020. 
Additionally, I have been trying to dispute inaccuracies with XXXX XXXX XXXX account. This account was closed, however, it is showing as written off. Due to the circumstances and the fact that it is included in a pending lawsuit, I asked if it could be removed. The account has been settled and paid in full. 
This information was also confirmed to me by the lender directly. However, I am not seeing any updated remarks on this matter.
Consumer complaint received 2022-05-22
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX 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 an account with my written instructions.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

My name is XXXX XXXX, and I am sending this request myself without any help from a Credit Repair Company and I am addressing the inaccuracies on my Credit Report. The payment history of XXXXXXXX with account number XXXX is reported as late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2015-11-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA ()

In XXXX I applied for a student loan of {$20000.00} with my bank XXXX and received the full amount. When I graduate in XXXX after 6 months I started to make the minimum payments for this loan. In XXXX the loan was taken over by another company called American Education Services. I continued to make my regular payments with this new loan company. In XXXX I decided to return to school for XXXX and sent in an application for forbearance. As a full time student overseas I would not have the income needed to make regular payments on the loan. I sent proof of enrollment and all the necessary documents to AES twice and was denied both times the reason given was " cumulative maximum of deferment has been reached ''. The only time the lean was in deferment was when I was still still in school for my XXXX degree. On the basis of this I have been receiving calls about my loan being past due, but all the necessary paperwork was given in a timely manner and my I was told that my request was in review. I continue to contact the loan officer who handles all the loans for XXXX and they tell me to do the same steps and I receive the same result. I have no idea how to handle this situation. I want to warn other not to use this loan company for your student loans as they are unorganized and are not customer orientated.
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX XXXX. 
DATE ASSIGNED : XX/XX/2021 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.