davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
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. (GA)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/XXXX. Receive taped phone call from XXXX XXXX, XXXX, threatening legal proceedings against my husband for a debt that was resolved in a bankruptcy XXXX action between XX/XX/XXXX-XX/XX/XXXX. Said my husband was responsible because he was not named in bankruptcy. Gave her my lawyers name ; she didn't care and said if not resolved by XX/XX/XXXX, a process server would come to our house or place of employment to serve legal action documents. Original holder of debt was Bank of America, but as I said, they were notified of bankruptcy action and they failed to respond. 
These threatening phone calls have been made several times over the course of the last 15 years, always from a different debt collector. This one was just the most recent.
Consumer complaint received 2019-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AK)

I am currently enrolled in the Public Service Loan Forgiveness Program ( PSLF ). I have verified that I am qualified for this program and have followed all steps with FedLoans as my servicer. I consolidated my loans to XXXX XXXX in XXXX for this program. I have been making payments since that time with exception of one year of granted forbearance during my fellowship. I have noticed very inaccurate information regarding my qualified payments for this loan program and called FedLoan Servicing on XX/XX/XXXX to request a recount of my payments. The representative told me that she noticed several payments were not counted and she would request a re-count. I have not heard back in regards to this requested information. I called the ombudsman on XX/XX/XXXX and spoke to XXXX employee # XXXX and he verified the re-count was requested but did not have any further information for me. 

It is now XX/XX/XXXX and I have still not heard back from FedLoans and do not have an accurate payment count. I have been making qualified payments and need to know when I can apply for loan forgiveness as the time is coming to do so soon. I am making major life decisions based on this loan forgiveness program. I have a husband and XXXX young  children and I have declined taking high paying for-profit jobs to continue working in non-profit positions for this loan payment program. I have about {$370000.00} in student loans and have been making high monthly payments on time to assure loan forgiveness. FedLoan must be held accountable for what they have promised and what they are responsible for. It is hard to trust a company who is ultimately responsible for my entire loan forgiveness when they can not even provide a timely and accurate payment count.
Consumer complaint received 2023-11-28
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. (PA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-18
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. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.
Consumer complaint received 2022-12-27
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. (CA)

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance {$21000.00} 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 2022-12-27
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. (VA)

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.
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: EQUIFAX, INC. (OH)

I just started to look more closely into all three of my credit reports and I noticed a lot of negative and false information and accounts on all three that are not correct. Starting with XXXX credit reporting I have 3 hard accounts that are against that report and 2 soft accounts that are affecting my score as well. I have tried to send letters to them stating that they were going against the FCRA codes, the exact codes they are going against is 15 USC 1681 Section 604 as well as 15 U.S. Code 1681n ( b ). Those account amounts that are affecting my score is {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$6500.00}. Everything I sent them proving this violation came back as verified and they would not help me fix them. Now, going into Equifax credit reporting I sent the same letters and the violations they were going against which are the same laws as stated above for XXXX and they all came back verified as well. Those amounts that are affecting my report for equifax are {$2600.00}, {$500.00}, and {$200.00}. Lastly, XXXX is going against the same rules as stated with the other credit bureaus and all came back verified as well. Those amounts that are affecting my score are {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$8.00}. I have sent letters to all three bureaus stated above with the account amounts and the laws against them and nothing has been done about it. I am just trying to get my credit score up to buy a house for the first time and be able to eventually get a loan or credit card. I have XXXXXXXX XXXX children and just went through a terrible divorce and just want all these items fixed immediately so I can move on with mine and my children 's lives,
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the derogatory mark on my consumer report that indicates I was late on payments to XXXX XXXX XXXX account # XXXX. I want to stress that I have always made payments on time and have never been late. I have attached copy of my consumer report from Experian and payment records to this statement to support my claim.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MI)

I currently have my federal loans in borrow defense since XX/XX/XXXX. the sallie mae/navient ones are private loans. this company has closed this account and wrote it off and yet continue to report as delinquent to the credit bureau which brings down my credit. They have used a few collection agency to go through to try and collect money and I sent out a validation letter to the companies and I have dispute it from the credit bureau. The credit bureau nor the collection agency is able to validate any of my information which goes against the FCRA law. I found out that the borrow defense does not apply to federal loans and told me to contact you guys due to borrow defense claims with XXXX XXXX. They just reported it delinquent yesterday XX/XX/XXXX which goes against my letter that I sent. I am very upset with this company. I would recommend NO one to use this company EVER if they need a loan.
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-01-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I recently paid off approximately 80 % of my credit card utilization ( about 85K ) Experian and XXXX  dropped my score 26 points. 
Upon investigation on each ones website on the FAQ 's it states factors that affect your credit score The main one is Used : Credit vs Available credit. 30 % In reality they do not take into account the Available credit and now only use the 5 cards I have open as the metrics for my score.

This is an unfair practice, even the agencies couldn't explain why I dropped 26 points
Consumer complaint received 2022-12-27
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. (GA)

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.
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: Bread Financial Holdings, Inc. (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Healthcare Finance Direct LLC. ()

XXXX XXXX XXXX has shut down. My contract states that I am paying for Goods and Services- I am no longer receiving the lifetime services I was promised. My contract explicitly states " On this date of XXXX for valuable consideration received, the undersigned Buyer and/or Co-Buyer ( hereinafter collectively referred to as Buyer ), jointly and severally unconditionally promise ( XXXX ) to pay for services provided by XXXX ( Provider ) on behalf of its affiliates the sum of XXXX XXXX  plus a finance charge at an annual rate of XXXX %. Payments are made to Healthcare Finance Direct, LLC ( HFD ) as payment processor for Provider. 

Relationship of Parties. Buyer acknowledges and agrees that HFD is not a lender but rather the payment processing service provider of Provider. '' HFD is simply listed as the a payment processer. The lender, XXXX XXXX XXXX, no longer exists. I haven't asked for a refund, I have simply asked that they put my payments on hold and void my account as the contract is now void. I am no longer receiving my lifetime guarantee, check-ins, touch ups, or doctor visits. But HFD keeps threatening sending my account to collections. 

They told me that they are the new creditor but no where in my contract does it state that, and in my contract it states that any changes made must be agreed upon by the borrower AND the lender. I received no contact about any changes, so i feel they are falsely claiming to be the new creditor.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I deposited {$2800.00} on XX/XX/XXXX in my Capitol One checking account which promised funds would be available within one business day, or XX/XX/XXXX. Instead the bank put a hold on the funds until XX/XX/XXXX. Capitol One prides itself on being a digitized bank, which means in practices that humans at the bank have no authority over the algorithms. 

After 5.5 hours on the phone on XX/XX/XXXX, I found a human who grumpily said she would lift the hold after I threatened to contact you. But in fact the funds are still blocked. I can not send funds through XXXX and the XXXX XXXX says I am disqualified with no recourse. They will not even let me send a cashiers check. 

Twice before, the algorithms of big companies have tagged me as a criminal because i changed my name in XXXX, as part of a XXXX XXXX. 

In the case of XXXX XXXX, it took XXXX XXXX 's intervention to stop them dragging out a credit application for 6 months and to abjectly apologize. With XXXX, the XXXX MA XXXX XXXX XXXX arranged a {$5000.00} settlement for XXXX XXXX in hiring. 

XXXX discrimination is still that even when you hide behind algorithms which equate XXXX people with criminals. I am not trying to rob anyone, least of all myself. I just want my money. 

If you can find someone at Capitol One who can override their algorithms, please do. I can not. I intend to bring this also to the Massachusetts XXXX XXXX XXXX and XXXX XXXX. I am probably not the only person being picked on this way. 

I am XXXX and living in XXXX XXXX if that makes me more sympathetic.
Consumer complaint received 2018-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX Synchrony Bank ( XXXX XXXX ) lowered our credit limit to the balance on our card. When I called them on XX/XX/XXXX to find out why this happened because my XXXX credit reporting sent me a notification that my credit limit had been lowered which in turn made my credit score go  down. 

When I called Synchrony Bank they said they check my credit and determined my credit rating by looking at my balance on my other cards. I did not give them the right to check my credit and I have paid this card off completely one time since opening in XX/XX/XXXX. I also pay more than the monthly payment. I feel I am being discriminating against and I did not authorize them to check my credit. I am requesting they be fined and they are required to pay the balance on the card {$1800.00}. 

We recently purchased a house and had to purchase items for our house. Please let me know what you find out. 
Thank you, XXXX XXXX
Consumer complaint received 2022-12-27
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. (WY)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2022-12-27
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. (GA)

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.
Consumer complaint received 2023-03-11
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. (AR)

This is another attempt to inform the Credit Bureaus that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. My information has been exposed in the Equifax data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that have resulted due to identity theft. Please take a look at the following items and have them deleted from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX XXXX XX/XX/XXXXXXXX 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 I previously sent a dispute and complaint regardning this matter and requested that the Credit bureaus remove these items but upon checking my updated Credit Report, the Credit Bureaus have continued reporting these items. If the Credit bureaus believe that the disputed items belong to me, I require the Credit reporting agencies to send me copies of proof of verification to support their claims, wihout these documents, immediate deletion of the disputed items will be greatly appreciated.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (OH)

I have a a unverified account from AMSHER COLLECTION SYSTEM. I had previously disputed this account. I have never done business with AMSHER COLLECTION SYSTEM. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that AMSHER COLLECTION SYSTEM Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMSHER COLLECTION SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.