davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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. (FL)

the accounts listed in the documents i provide i have disputed over and over and im giving you more information and failure to delete these items permanently will result in a lawsuit for not doing a proper investigation showing that these accounts are the result of identity theft.im uploading my identity theft affidavit which was signed and notarized at police department
Consumer complaint received 2022-04-15
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2016-10-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (IL)

Equifax continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of this law.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TX)

My complaint is against Navient- student loan services, I have contacted them a few times in the past back in XXXX regarding my student loan account. I have requested for Navient to send me a bill each for my interest that is accruing on my account each month that is not being paid by the government. And they claim they can not provide me with that, in which I find that very unfair that Navient can charge me interest and they can not provide a monthly statement of my interest. I have never heard of such thing, if a consumer borrow money from any financial institution then it is the lender responsibility to provide the borrower with not just a statement showing the amount owed ( all added up into one balance ), but the lender must be able to provide a statement showing the monthly amounts itemized out on the statement. Just like on a credit card, the creditor provides a monthly statement with current balance that includes any recent charges including the interest that was charge for that month 's period. As Navient continues to adds interest to my student loans accounts along with reporting the added interest to the credit bureau showing that my balances on my loans are increasing, which can and is causing a negative effect on my credit utilization on my report, which in terms affects my credit score. As I had notice this and I can be paying my interest on my loans every month, I requested that they send me a statement showing the interest that is being added monthly, giving me a consolidate/ combine interest is not going to suffice, but they refused and expect me as customer to calculated previous statement to get my interest ... NO!! I will not! So therefore, Navient needs to provide me with a monthly interest statement showing me what interest has been added to my loans for that month. It is not my job to be their computing system and calculate my own interest every month, they need to do that. And stop providing a lump sum total of all my interest without showing me the interest for that months period. As a lender Navient is supposed to provide accurate, detailed, itemized information to the borrower. I want to know every month, not every three months, because Navient reports to credit bureaus every month, so therefore I want to see it every month what the amount of interest that is being added to my account and I want to see it on my statement separately, so that it can be paid monthly. I will not do their job for them, because its not my job to do its only knowledge for me as consumer/borrower if indeed I wanted to know how my loans are being calculated.
Consumer complaint received 2022-11-06
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: NAVY FEDERAL CREDIT UNION (IL)

I, XXXX XXXX XXXX XXXX, a natural person, am competent and of age with facts regarding the transaction herein stated, and I am currently under XXXX XXXX XXXX XXXX from NAVY FEDERAL CREDIT UNION, I affirm and state that the following are true complete and accurate to the best of my abilities and do declare the following : 1. On XX/XX/XXXX I sent a Billing error notice and refusal to pay, certified mail return receipt requested ( see EXHIBIT XXXX AND XXXX ) and requested explanation for the erroneous misrepresentation on the statement ; 2. On XX/XX/XXXX XXXX issued Report # XXXX for XX/XX/XXXX ( SEE EXHIBIT XXXX ) claiming that The item remained unchanged from processing my dispute. This is a violation because the item failed to show that they were dispute at that time ; 3. On XXXX XXXX XXXX issued Report # XXXX for XX/XX/XXXX ( SEE EXHIBIT XXXX ) which appeared to show adverse information regarding the amounts previously refused due to irregular billing practices. The account still was not updated to show that I disputed the information until after the adverse information had been added. 

4. As of XX/XX/XXXX NAVY FEDERAL CREDIT UNION has violated my privacy and used XXXX like tactics to violate the integrity o my information, ignoring request to only communicate about my account via the U.S. mail to avoid any misunderstandings the company has ignored requests from my Attorney General Office and when I asked them to clarify what type of balance, they never tell me, it is my opinion and belief this balance is a credit balance and I have asked for refund but did not receive any valid response. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 
Executed on XX/XX/XXXX /s/ XXXX XXXX XXXX XXXX XXXX XXXX natural person.
Consumer complaint received 2023-02-09
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. (GA)

My name is XXXX XXXX and I'm a natural man submitting this complaint on the behalf of myself without any third party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, XXXX, XXXX and Experian is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (KS)

Received today letter from CBE Group claiming that I owe a debt from XX/XX/21 to XXXX ( not XXXX XXXX XXXX or any other legal entity ) in the amount of {$110.00} with an attempt to collect this amount. 

I have not at any time owed funds to XXXX. 

Research in XXXX forums reveals this is a common scam for people to receive when no such debt exists, as in my case. Many posts about this particular fishing scam are in the XXXX forums. 

It would seem that this letter is sent to entice recipients to just pay whatever debt they list in the letter to fraudulently collect on a fraudulent debt.
Consumer complaint received 2024-02-26
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 a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-02-11
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. (NY)

When I reviewed my credit report again, I discovered that some of the account was still erroneous. The XXXX credit bureaus must validate these accounts in order for me to establish a good record. The following accounts need to investigate and corrected for erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-22
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: NAVY FEDERAL CREDIT UNION (VA)

It is my understanding as of XXXX My issue regarding an ongoing complaint from XXXX WILL NOT be re-investigated. Per XXXX XXXX it was given to her and she is nt in the credit card department It seems this matter is not regarded as priority and it is very important to me. I have EXPLAINED THE FIRST INVESTIGATION WAS DONE BASED ON THE WRONG PREMISE It should be investigated a a fraud with prejudice. The company told me and gave me false informaiton and I confirmed by getting doctors whom is an expert recommendaion. I do not understand what the problem is and WHY I am being refused an investigation XXXX XXXX stated she will handle the account closure but the investigation was not done and do not plan to do as she does not handle things of this magnitude in her department
Consumer complaint received 2020-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (SC)

Credit Report Number : XXXX Date Generated : XX/XX/XXXX Account Name : HUNTER WARFIELD Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Original paid : {$140.00} RE : Payment {$140.00} was made to XXXX XXXX and Hunter Warfield is reporting collection on my credit for {$140.00} for the last 8 months. False reporting on my credit violation of fair credit reporting act. 

Original Creditor : XXXX XXXX Contact Info Phone Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-05-25
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. (MN)

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX .... XXXX XXXX XXXX XXXX XXXX ....
Consumer complaint received 2022-11-05
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. (TX)

My name is XXXX XXXX, about a year ago my wallet was misplaced when I attended a concert with a group of my family members. Inside of wallet Included my ID and social, along with my cards and some cash. A few months ago I viewed my credit report and noticed some things attempting to be opened in my name, things that I did not do, which lead me to believe that I am a victim of identity theft. I am very exhausted and so tired of dealing with this same issue regarding my credit report. I am needing the items to be removed off of my credit report as soon as possible to fix my credit file. As I am tired of worrying, and I am hoping these things get solved as soon as possible.
Consumer complaint received 2022-11-05
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. (MS)

In accordance with the fair credit reporting act XXXX, XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Balance {$11000.00} US DEPT of Education, Account # XXXX XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX 15 USC 1681 602 States " I have the right to privacy. '' 15 USC1681 604 A Section states " a consumer reporting agency can not furnish an account without my written instructions. '' 15 USC 1666B states " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I am a XXXXXXXX XXXX XXXX veteran. I applied and was awarded a XXXX discharge for my federal student loans. All three of the credit bureaus are reporting all of my federal student loans as " Payment status : Collections/chargeoff ''. I have disputed this information with the bureaus and they state they investigated it and I even supplied them with a copy of the XXXX discharge.
Consumer complaint received 2020-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (TX)

This issue goes way back to 2017 of XXXX and maybe a 1 time after that and now I am tired and have figure it out on how I can take my matter to a higher level to get resolve.. My complaint is against Fed Loan Services- student loan. 

I have contacted them many times in the past regarding my student loan account. I have requested for FedLoan Services to send me a bill each for my interest that is accruing on my account each month that is not being paid by the government. And they claim they can not provide me with that, in which I find that very unfair that Fed Loan Services can charge me interest and they can not provide a monthly statement of my interest. I have never heard of such thing, if a consumer borrow money from any financial institution then it is the lender responsibility to provide that borrower the not just a statement showing the amount owed ( all added up into one balance ), but the lender must be able to provide a statement showing the monthly amounts itemized out on the statement. Just like on a credit card, the creditor provides a monthly statement with current balance that includes any recent charges including the interest that was charge for that month 's period. As FedLoan Services continues to adds interest to my student loans accounts along with reporting the added interest to the credit bureau showing that my balances on my loans are increasing, which can and is causing a negative effect on my credit utilization on my report, which in terms affects my credit score. So therefore, FedLoan Services needs to provide me with a monthly interest statement showing me what interest has been added to my loans for that month. It is not my job to be their computing system and calculate my own interest every month, they need to do that and providing a lump sum total of all my interest with showing me the interest for that months period is not sufficient. As a lender FedLoan Services is supposed to provide accurate, detailed, itemized information to the borrower. I want to know every month, not every three months, because FedLoan Services reports to credit bureaus every month, so therefore I want to see it every month what the amount of interest that is being added to my account and I want to see it on my statement separately, so that it can be paid monthly. I will not do their job for them, because it's not my job to do its only knowledge for me as consumer/borrower if indeed I wanted to know how my loans are being calculated. And I believe they have a duty to me as a borrower to provide me with a clear statement every month I am being charge interest.
Consumer complaint received 2020-06-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

Cares Act - Due to hardship of Covid 19 lock down iam struggling making my mortgage payment On XX/XX/2020 I received a letter from my mortgage company stating a Temporary hardship forbearance plan agreement, in which I was not involved, neither I spoke to them on the phone, neither I agreed to this plan. it was a 3 months deferred with the due date of XX/XX/2020, paying the total amount of XXXX. 
during this time I continue struggling and making my mortgage payment on time. 

On XX/XX/2020 I Email them a letter requesting and demanding for Request for Paused Reamortization Mortgage Forbearance in which I stated to inpound payments for insurance and property taxes and that the accrued interest to be added to the principal balance and to be amortized over the remaining period of my loan, pursuant to federal law. 

I also ask to provide written confirmation of receipt of my request, which they fail to do so, until I contact them XX/XX/2020 and they acknowledge receiving my email and promise to look in to that, and no contact. 

on XX/XX/2020 I contact them requesting againg a resolution in writing and the answer was No that they are not offering any other mortgage relief due to covid 19. they refuse to do it in writing,