davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (GA)

I did not consent to nor authorize, nor benefit from the account XXXX XXXX XXXX XXXX of PayPal Credit. Block and Remove account XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX of PayPal Credit is using unlawful extortionate means to commit abusive, deceptive, and unfair debt collection practices in order to bring harm to me for an alleged debt that has not been validated. All PayPal Credit management, supervisors, and employees are in violation of a Cease-and-Desist order and are continuing to invade my individual privacy despite not validating this alleged debt per Federal Law. Pursuant 15 USC 1692g ( c ). I have not validated this alleged debt and my failure to dispute the validity of this debt shall not be construed as an admission of liability. PayPal Credit are in violation of 15 USC 1692d ( 4 ) for debt parking and 18 USC 1028A for aggravated identity theft for furnishing these alleged debts to my consumer report that has not been validated.
Consumer complaint received 2022-05-27
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX US DEPT ED XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

Years ago, after they were hacked, I placed a freeze on all three major credit agencies regarding my credit report. I was attempting to purchase an auto and was reminded of the freeze. XXXX  and XXXX  rapidly removed the freeze at my request. Experian, however, made this virtually impossible. They would not remove via their website but required me to send much hard copy information, including copies of my SS card and Drivers license to a P.O. Box in Texas, no street address was available and no human could be reached via phone. 

I sent the information requested in two complete packages, one on XX/XX/2019 and one on XX/XX/2019. IN response, I got an unidentified text message with a one time code. I was not told how or were to use if at all. So, I went to their website, input the code which the computer seemed to take and lo and behold, my credit report with them remains frozen. 

Now, I am in serious risk of breach on my auto traded in via XXXX XXXX XXXX because the dealer has never applied for a loan as the Experian report remains frozen. I am at a loss about what to do at this point.
Consumer complaint received 2023-11-05
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: College Foundation, Inc. (NC)

During the national COVID Pandemic, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the pandemic, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their 300+ offices nationally during the pandemic.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRIMARY RESIDENTIAL MORTGAGE (MD)

On XX/XX/2022 my previous CFPB complaint with XXXX, XXXX was supposed to be satisfactorily resolved. Part of the resolution was to remove the mortgage from my credit report. I was informed by XXXX via phone call that I would receive paperwork via USPS that verified my removal from the mortgage ( XXXX loan # XXXX ). I have not received that via mail even though I verbally provided a revised address and provided the address again via email on XX/XX/2022 to verify. 

I have received no correspondence from XXXX separate from the CFPB resolution through the CFPB portal and an email on XX/XX/XXXX that stated I was removed as a co-borrower from the loan. 

I continue to receive updates on this loan on my credit report contrary to the resolution that was provided.
Consumer complaint received 2023-11-05
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: EQUIFAX, INC. (NJ)

remove all accounts that dont belong to me immediately under The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2021-12-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (AL)

I received letters that said I could get a deferred payment plan. I called the number they said I have to pay {$290.00} times and that would stop and start my deferred payment plan. I have not made the first payment but they will not call me back or take calls. My mother already did the deferment on my FSA but now we can not login the company changed my account login
Consumer complaint received 2023-07-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ERC (AL)

I am getting multiple calls from ERC representatives, and Ive now received mail from them at my new address. They arent looking for metheyre looking for my ex-husband who Ive been divorced from for two years now. He has never had my phone number ( and Ive been on my own account for at least 3 years now ), and he has never lived at my current address ( which I bought as new construction 4 months ago with my new husband ). I have told them that I am not him, he is my ex, and Ive provided them the correct address. Sadly I dont have his current phone number or I would give them that, too. Every time they call and I explain the situation, they tell me that theyre removing my number and information from their list but I continue to get calls and correspondence from them. I dont understand how theyre getting my contact information but cant seem to find his to contact him since hes the one in debt. They also disclosed how much money he owes them even though I told them I am not who theyre looking for.
Consumer complaint received 2023-11-05
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. (PA)

I have disputed the attached accounts stating that they are unknown and suspicious. I was never provided with proof that these accounts are mine. There was no investagation completed. The accounts are inaccurately reported and this was explained to each bureau. The accounts were never updated so there is no way there was an investigation that took place. How can a collection account have a balance owed or a past due balance? Since the attached accounts are inaccurate and were never investagated there is no possible way to confirm that these accounts and debt are actually mine because the information is inaccurate. There is way to much fraud and scamming taking place and I need to be able to accuratley confirm the information that is being reported on my credit report because I do not recognize the attached accounts. This is hurting my reputation and these inaccurate accounts need to be removed immediately.
Consumer complaint received 2021-12-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. BANK OF AMERICA account are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( BK OF AMER XXXX, BK OF AMER XXXX )
Consumer complaint received 2021-12-20
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: LEXISNEXIS (TX)

LEXIS NEXIS is reporting my personal data to Credit Bureaus, namely, XXXX, expressly, without my permission or any fiduciary appointments. This unlawful action exposes my personal credit to incorrect information, ie, Bankruptcy Reporting, where the Federal Bankruptcy Court in XXXX, Texas has stated that " We do not furnish information about any of our records to any credit bureau. '' After confronting XXXX about these " Invasions of Privacy Issues '' they stated that, " Lexis Nexis furnishes the information to them and I would need to send a letter to them stating that I do not have a bankruptcy from the court '' ignoring the fact that they already admitted that the information was furnish through a 3rd Party. 

In XX/XX/2021, I submitted an OPT OUT FORM on Lexis Nexis website with the confirmation # XXXX. I called the next business day, on a Monday, and requested a FREEZE ON MY PERSONAL DATA, which was completed and I was suppose to receive a copy of it in my mailbox, which has failed to arrive. 

Lexis Nexis Continues to furnish my information to 3rd parties, which resulted in my XXXX XXXX being repossessed in Louisiana and addresses I have not lived at or currently live at, false debts, fraud debt collection reporting and many more!
Consumer complaint received 2022-05-27
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. (TX)

Went to dealer to go purchase my new vehicle. I had my own financing from my credit union at 2.25 %. I still had to present a purchase order from the dealer, so my loan could be finalized and they gave me a paper to fill out which had my information. The financial lady comes up to me and tells me that their dealer can get me in at 3 %, and i obviously declined because i was already happy with my own financing. Ok we finish the paperwork and i get my vehicle and im pretty happy about the purchase. But then thats when i see on my Experian app that the dealer had ran a hard inquiry on my credit. They absolutely did not have my consent nor did they tell me they were going to run it. Why would i even want them to run my credit when i already have a great APR, from my credit union, knowing that they are not going to be able to match it. This was extremely unprofessional of them, and i certainly do not appreciate it.
Consumer complaint received 2021-12-20
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. (IL)

Experian, XXXX, XXXX, and XXXX are reporting information on my consumer report that is not only inaccurate, but I never gave permissible purpose to do so. They are violating my federally protected consumer rights and making it difficult to extend credit.
Consumer complaint received 2019-09-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

THEY HAVE NOT REMOVED THE INCORRECT INFORMATION. THEY HAVE NOT PROVIDED THE SUPPORTING DOCUMENTS TO SUBSTANTIATE WHAT THEY ARE REPORTING.
Consumer complaint received 2022-05-27
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)

Went to dealer to go purchase my new vehicle. I had my own financing from my credit union at 2.25 %. I still had to present a purchase order from the dealer, so my loan could be finalized and they gave me a paper to fill out which had my information. The financial lady comes up to me and tells me that their dealer can get me in at 3 %, and i obviously declined because i was already happy with my own financing. Ok we finish the paperwork and i get my vehicle and im pretty happy about the purchase. But then thats when i see on my XXXX app that the dealer had ran a hard inquiry on my credit. They absolutely did not have my consent nor did they tell me they were going to run it. Why would i even want them to run my credit when i already have a great APR, from my credit union, knowing that they are not going to be able to match it. This was extremely unprofessional of them, and i certainly do not appreciate it.
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (IA)

On or around XX/XX/2019, I reached out to XXXX XXXX XXXX at Barclay Card, EXT XXXX regarding making a settlement to my XXXX Visa Card issued by Barclay. I was told I would be called back by Friday, which I never was. I call another person in the internal collection department, who told me they would need to verify which department my account belonged to, and it could take two weeks. Well over a month later, on XX/XX/XXXX, I called because I received neither a letter, phone call or email from Barclay Card. I reached someone today who told me my voicemails may not of been responded to, because I didn't include enough information in the voicemail beyond my phone number. While the agent ( who was actually a manager ), did not seem very apologetic, she informed me that this missing information is why I was not called back, however it does not say in the voicemail what needs to be left. I asked about a settlement offer and was given an amount and percentage, which worked out to be {$760.00}. I was told I would only have 90 days to pay it, which is not enough given my current financial situation. I asked about paying the balance to have the account deleted and was told this was against " fair credit reporting laws ''. The FCRA does not prohibit deletion as I'm sure the CFPB already knows. I actually searched online and found numerous cases of Barclay Card removing tradelines. Paid for charge offs report the same as unpaid, so it would be of no benefit to me to pay it.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-27
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. (TX)

Went to dealer to go purchase my new vehicle. I had my own financing from my credit union at 2.25 %. I still had to present a purchase order from the dealer, so my loan could be finalized and they gave me a paper to fill out which had my information. The financial lady comes up to me and tells me that their dealer can get me in at 3 %, and i obviously declined because i was already happy with my own financing. Ok we finish the paperwork and i get my vehicle and im pretty happy about the purchase. But then thats when i see on my XXXX app that the dealer had ran a hard inquiry on my credit. They absolutely did not have my consent nor did they tell me they were going to run it. Why would i even want them to run my credit when i already have a great APR, from my credit union, knowing that they are not going to be able to match it. This was extremely unprofessional of them, and i certainly do not appreciate it.
Consumer complaint received 2019-09-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (PA)

AES services two of my student loans. I am currently struggling to pay these due to over $ XXXX in federal and private student loan payments per month and had a very difficult time dealing with AES. I have a few issues that need to be addressed and currently AES has not responded to my inquiries through the website in months. 

1 ) I have made multiple request to AES customer service through their website ( via their online email ) but have not received a response in months. I have taken a screenshot of the most recent dates requested and is attached. None of these, to my knowledge have been responded to as shown by my AES paperless inbox. AES does have another message site but they delete the message after a week and we as customers do not have access to these. I have not received a response through this means either. I also think using this temporary message system is suspicious as customers are unable to view message history to accurately document communication with this company that is clearly taking advantage of consumers. Recent dates that help was requested through the site but NO RESPONSE WAS PROVIDED include : XXXX, XXXX, XXXX, XXXX ( there are others but I may have deleted the confirmation of submission email ). 

2 ) I have requested assistance from AES for help in lowering the monthly payment amount in the past but they offered no help. In XXXX of XXXX I asked if the company could contact the lender ( currently NCT but not the original lender ). They said they sent a letter to NCT but I have never been given proof of that request nor have they indicated whether a response was provided as there is no follow up. I wanted to send my own request as I presume the lender would prefer that a customer is paying but AES has not provided the appropriate contact information and suggest they should be the primary point of contact despite the fact that AES has not responded to my multiple requests. Since my credit is poor ( due to these high payments ) I am unable to refinance and am stuck dealing with this terrible company ( AES ). 

3 ) NCT was not my original lender and I am unsure if the balance or the loan is truly their as no documentation was provided and recent lawsuits suggest many loans during the time I received one, were mishandled. I have requested chain of custody documents from AES for the NCT loans but AES says they do not have to provide them and it is not their duty. When I request NCTs contact information, AES does not provide the information. I should have the proper information to know if my loans were handled correctly and are the correct amounts from the lender. AES has not helped in this matter at all. 

All in all this company is truly terrible and they make no attempt at helping the customer. I have not had these issues with other student loan services as they are more willing to assist their customers. AES should be investigated for their practices.
Consumer complaint received 2022-05-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stern Recovery Services, Inc. (NC)

This company Stern Recovery Services has placed several medical debts on my account for dates that in no way possible can be accurate, they are reaged by more than a year. This company and other fraudulent companies like it ILLEGALLY re-age debt to when they received the debt not the date of original delinquency which is required by law. Every filing they have on my credit report is federally illegal due to re-aging of debt. XXXX is guilty of ignoring disputes and marking them as accurate when they don't bother to investigate at all.
Consumer complaint received 2021-12-20
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. (TN)

TO WHOM IT MAY CONCERN I WAS JUST A CO-APPLICANT ON THIS LOAN. THIS LOAN IS SHOWING A LATE PAYMENT AND IT'S DAMAGING MY SCORES. I SPOKE WITH SOMEONE AT THIS INSTITUTION AND THEY AGREED TO REMOVE THE LATE MARK SINCE THE ACCOUNT WAS NEVER LATE. I WOULD LIKE TO HAVE THIS ACCOUNT 100 % REMOVED FROM MY CREDIT FILE BECAUSE I AM NO LONGER RESPONSIBLE FOR THIS ACCOUT. THIS ACCOUNT HAS BEEN PAID AND FULL.
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute a debt collection account that is appearing on my credit report. Under the Federal Fair Credit Reporting Act ( FCRA ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete. 

According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately. 

I request that you investigate and remove this account from my credit report as soon as possible, in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected. 

Thank you for your attention to this matter.