davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this to let you know that the listed company has an unapproved inquiry on my credit report. Below is the name of the company and the date on which I acquired the inquiry. 
XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2023-10-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (DE)

Outstanding balance of XXXX from XXXX is not correct because card for website was not used in any purchasing Made dispute through XXXX XXXX twice. Did not receive any communication on results until XXXX XXXX was checked manually. 
Debt for amount owed has been sold to another company. 
Tried numerous time to reach out to current collector with no response back from company. 
No letter in mail has ever been sent to me or any other form of communication. 
No account statements with the company has been sent directly to me or via email. 
No other information other than what is stated on my XXXX XXXX report
Consumer complaint received 2016-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (DC)

My federal student loans were transferred to FedLoanServicing ( FLS ) from XXXX on XX/XX/2016. FLS contacted me on XX/XX/2016 to tell me they had my loan. I set up my account XX/XX/2016, and submitted recalculation paperwork the same day using the " paperless dropbox '' on their website. 
On XX/XX/2016 they informed me they had recalculated my loan and my monthly payment amount would be {$420.00} on a monthly AGI of {$1400.00}. I 'm in the PSLF program, and my payment should be 15 % of my income, less 150 % of the poverty level ( for 2 people ), and I calculate my payment should be {$170.00} per month. 
I called back on XX/XX/2016 and spoke with XXXX who said he saw the discrepancy, and would send my back loan for recalculation. I called back on XXXX and spoke to XXXX who said that they calculated it based on my gross income because they " were not tax experts '' and could not figure out my AGI. 
The deductions on my paycheck are clearly listed, and my AGI is listed as " ADJ EARNINGS ''. XXXX refused to recognize that this was my adjusted gross income, and said they would require a letter from my employer to calculate my payment. She repeatedly said she was " not a tax expert '' and would not transfer me to a manager. 
In the meantime, they expect me to pay {$420.00} on XX/XX/2016, when my payment should be {$170.00}.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (FL)

XXXX XXXX/XXXX/2016 I deposited my Federal Income tax check into my checking account via ATM at approximately XXXX XXXX. The amount of the check was {$5200.00}. The bank put a hold on {$5100.00}. They told me that money would be available XXXX/XXXX/2016.
Consumer complaint received 2019-06-28
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 (OR)

On XXXX of XXXX I switched my loan servicing from XXXX to FedLoan. For the past five years I have been paying my loans with XXXX. With XXXX, I would verify each year that I was in a repayment program that qualified me for Public Service Loan Forgiveness. I printed documentation of these payments, and was assured by XXXX that my account would remain online, so I could continue to verify repayment program and payments. When my loan was transferred to FedLoan in XXXX of XXXX, verification of my payments were not transferred. At that time I had made 49 qualifying payments toward the PSLF program. 

On XX/XX/XXXX I contacted FedLoan and spoke with XXXX XXXX and asked where verification of my loan payements from XXXX were, she said it will update within 30  days. On XX/XX/XXXX, when my loan payments were not updated on my account with FedLoan, I spoke with XXXX XXXX who told me that they have to look into my detailed history with XXXX and it would take 60-120 business days to be approved. I then called XXXX who informed me that they had not received contact from FedLoan regarding my account. On XX/XX/XXXX I spoke with XXXX XXXX XXXX regarding why my loan payments toward PSLF had not been updated from XXXX, nor the payments i had been paying to FedLoan for the last 5 months. She informed me that at the end of the year, when I show verification of employment, the number of payments with FedLoan will update and that the verification of payments with XXXX could take until XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX XXXX as my loan payments with XXXX  ( 49 ) and my loan payments with FedLoan ( 11 at this point ), are not recorded on my account. XXXX informed me that verification from XXXX is being " reviewed '' and he doesn't know how long it will take as they are questioning my payments. He said that technically I have until XXXX ... 

I do not know why FedLoan has given me four different answers regarding five years of qualifying loan payments being credited to my account. I would like those payments to be updated on my account with FedLoan. I am concerned that the longer it takes them, the chance of proving the payments qualified, becomes more and more difficult. I am also very confused why it is taking them so long to verify something that took me one minute to see on my XXXX account. It seems FedLoan can do whatever they want when it comes to verification of my loan payments and I would love some help in accountability with their systems of transferring loans to them and verification of qualifying payments. As of XX/XX/XXXX I should have 61 qualifying payments toward my PSLF.
Consumer complaint received 2021-11-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 accounts that are still reporting on my report : Collection : XXXX - Balance {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) -XXXX - Balance {$57.00}
Consumer complaint received 2023-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eagle Financial Services, Inc. (IN)

I already paid the debt in question. They sued me in a county I do not live in and did not sign the contract in. They never served me at any point, but said they did. My first notification of the dispute was through a postcard from XXXX XXXX courthouse saying I had a default judgement I was never given the opportunity to dispute and never served on. I absolutely want a chance to say I borrowed from Eagle Finance and paid them back in FULL in 2022. I do not agree with the judgement and believe I was not notified and it was sent to a court with out jurisdiction because they KNEW they debt in question was not correct.
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX Bankruptcy Chapter XXXX account number XXXX has violated my rights. 

15 U. S. C 1681 section 602 A. States I have 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 instruction. I did not give them written instruction.
Consumer complaint received 2022-05-17
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: Chime Financial Inc (NY)

On XX/XX/2022, i woke up to check my email as i usually do and come to find out it said my account balance is low. So i went to check my account and an atm withdrawal was made at XXXX XXXX  of {$300.00}. I call chime immediately and explain the situation. They cancel my current card but tell me to wait til the transaction settles in order to open a dispute. The next day i check my account and the transaction is settled so i immediately call once again. They started the dispute and i patiently waited for the results. Within two hours i get an email saying that the investigation has been completed and that they see no error. I get upset and call back and the representative tells me to reply to their email and send in supporting documents or anything that can help me get my money back. When replying to the email, I stated that i have not made an atm withdrawal over {$40.00} ever, that my transactions only take place from XXXX XXXX  to XXXX XXXX  when im outside for work and only occur within the XXXX or XXXX. I sent them pictures of my transactions that showed time and location. I also stated that i do not be up at XXXX XXXX  and have video evidence of me not leaving the house at anytime of the night. Even after all this, they still find no error. I want my money refunded. My card information was probably stolen from one the atms i used to buy food from a XXXX store. I want my money back
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (TX)

On XX/XX/26 I sent certified mail to the all the CRA 's in regards to the incorrect information being reported and that it should be deleted. I have yet to see it removed. It is illegal to report any inaccurate information : 15 USC 1681b. There is more information that I need dto file a compliant on but this is just the beginning. I have tried to rectify this myself however it has not got me anywhere but in circles! 

Also in addition to that : 15 USC 1692a this is a debt collector. They DO NOT have my consent to report ANY of this!!!
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-17
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. (MD)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened XXXX. XXXX, XXXX, Balance {$43000.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXXXXXX XXXX ( Date Opened XXXX. XXXX, XXXX, Credit limit {$200.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 information is inaccurate.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

So on XX/XX/2022, I submitted a complaint which included the required documents by me as a consumer to initiate a block of information resulting from identity theft ref XXXX. NO where in the FCRA does it gives you the right as a consumer reporting agency to make UP your own rules and tell me to reach out to the lenders directly. You are REQUIRED by the FCRA to remove and block the information. You are now in noncompliance with the FCRA and it is unacceptable.
Consumer complaint received 2022-05-17
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: Shellpoint Partners, LLC (TX)

In accordance with the fair credit reporting act XXXX  accounts, has violated my rights. 

15 USC 1681 section 602states i have the rights to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2022-05-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act XXXX  accounts, has violated my rights. 

15 USC 1681 section 602states i have the rights to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2022-05-17
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. (MD)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$620.00} ), XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$450.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Original amount {$2000.00} ), XXXX  XXXX  ( Date Opened XXXX. XXXX, XXXX, Balance {$670.00} ), XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX  ( Date Opened Sep. XXXX, XXXX, Original amount {$520.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-17
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. (PA)

In accordance with the Fair Credit act 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 2022-05-17
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. (NY)

I filed several disputes with the company about the tracking being reported and every time it comes back updated without any new information. The credit does not have any information on the account & states that the bureaus are incorrectly reporting The account being disputed is XXXX In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : 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 2024-02-19
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. (AK)

USDOE/XXXX  is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. Navient actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Delete account.
Consumer complaint received 2022-05-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-06-12
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. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.