davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail.
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (OH)

Dear ma'am/sir, Thank you for conducting an investigation into the letters I personally sent off and said letters there were delivered on XX/XX/2022, according to the representative I spoke to on XX/XX/2022. I am genuinely impressed that you were able to talk to the employees of the original creditor and thoroughly conduct an investigation ( report number XXXX ). 

For my own records, to fully understand the completeness and maximum accuracy of the investigation conducted; I am demanding the " AUDIT TRAIL '' and " METHOD OF VALIDATION '' Pursuant to the FCRA, pursuant to 15 U.S. Code 1681a ( e ) ; What documents were sent to the Data Furnisher and e-Oscar? 
Who did you speak to regarding the inaccurate information youre advertising on my consumer credit report? 
If using any form of Metro 2 Compliance, was it run through e-Oscar?

If an Automated Consumer Verification System ( ADVS ) was used, were corresponding documents I sent out included with dispute? 
Who, and what employees were spoken to regarding this inquiry and what steps were followed to be sure everything being furnished onto my consumer credit report were equitable and fair to me? 

Please note, if ADVS and proper documentation was not sent, or if my letters were assigned the wrong number via e-Oscar that does not, nor has it ever been a fair, equitable investigation to ensure maximum accuracy. This is the information I am demanding pursuant to the FCRA. 
Thank you for reading this and I look forward to your prompt response.
Consumer complaint received 2022-12-24
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. (NV)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal actio XXXX XXXX XXXX Balance Owed : {$140.00}
Consumer complaint received 2019-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

I opened a business credit card from Wells Fargo. They had promotion XXXX cash back after XXXX spending in 3 months. I finished their requirement, and called their customer service many times about XXXX cash back. They said everything ok they will pay me XXXX end of the third months billing cycle. I wait for long time to call them after the 3rd months billing cycle. They changed story, told me I have 2 cards. I did not finish requirement. They cant pay me XXXX cash back. What happened? I am business credit card I just add employees card for my accounts. And I called them many times, they said ok for the requirement. They promised me the XXXX cash back bonus. They should honor it. Not just change story doesnt pay their loyalty customer.
Consumer complaint received 2022-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

I refinanced in XXXX to get rid of a predatory lender and servicer Chase, who was guilty of criminal usury. At closing in XXXX the new lender XXXX assigned the new loan to XXXX XXXX. XXXX XXXX failed to record assignment per Florida state XXXX. In XXXX XXXX XXXX assigned to XXXX and failed to record assignment from XXXX XXXX to XXXX. House got robbed filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX XXXX assigned to XXXX and recorded a defective assignment. In XXXX XXXX changed their name to XXXX cause they got in trouble with the Federal Reserve and had to pay {$63.00} XXXX to borrowers who were harmed. Found this out this year in XXXX. XXXX had my wrong address. In XXXX XXXX sold to XXXX XXXX XXXX improperly defective assignments and notes. XXXX does not have standing but trying to foreclose. Sued XXXX and XXXX XXXX in XXXX got default judgement. would like to get paid out of the {$63.00} XXXX for borrows who have been harmed. please. assist XXXX
Consumer complaint received 2022-10-27
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. (NY)

Equifax must remove the following accounts per my written instructions ( see attached for further explanation ) due to the failure to perform their grave responsibilities with multiple reinvestigations. Please be advised, consumer reporting is voluntary and in accordance to the written instructions by the consumer whom it relates. ACCOUNTS TO DELETE : 1. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX Reason : Deceptive, inaccuracies and time-barred debt. XXXX reported open date of XX/XX/XXXX, but claims theyre not the creditor and acting as a debt collector AFTER the alleged XX/XX/XXXX charge off account was transferred to them. XXXX, also, owns XXXX XXXX, who is the alleged creditor company. This is deceptive practices. NY statute of limitations has expired for this alleged debt and I do not owe.. 
Action : Delete account. 

2. XXXX XXXX XXXX XX/XX/XXXX XXXX - Reason : Time-Barred Debt and Cease to desist ( XX/XX/XXXX ) ALL communications to third parties and collection efforts. XXXX XXXX XXXX was issued a demand to cease to desist ALL contact, direct or indirect, which included communication to third parties via medium, and collection efforts. XXXX XXXX XXXX has failed to comply and knowingly incurring multiple violations daily. As you see in the attached correspondence, this company, proudly, does not follow federal laws and makes up their own rules. This account is demanded as part of the cease to desist to be deleted! A debt collector, who reports to consumer reporting agencies, still constitutes as an attempt to collect a debt! NY statute of limitations has expired for this alleged debt and I do not owe. 
Action : Delete account. 

Please see attached supported documents.
Consumer complaint received 2022-12-23
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. (AL)

Violated my federally protected rights 15 U.S. Code 1681b - no written permission, consent no permissible purpose 15 U.S. Code 1681 that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Acct was remove not belonging to me
Consumer complaint received 2021-09-27
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. (NY)

I contacted XXXX and requested a debt validation pursuant to 15 USC 1692g. In order to validate a debt, an alleged creditor has to submit 5 criterias, this is not optional and no part can be missing. Pursuant to 15 USC 1692g, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Attached is the correspondence I received from XXXX proving they were unable to validate this alleged debt. I have disputed this debt several times with Experian and you repeatedly concluded your investigation as this debt was validated and it remains on my consumer report. I need to see what they are sending you that is different from what they are sending me. I demand Experian provide me with the method you used to investigate this an valid and ALL documentary evidence pertaining to this account and why you feel you have enough evidence to keep furnishing this information on my consumer report. If you can not provide me with this evidence, I demand you delete this account immediately
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

The amounts that are said to be owed are incorrect. When moving out in XXXX  XX/XX/2015 I was in contact with the leasing office about what was owed. I paid all the arrears in XXXXXX/XX/2015 and only owed the prorated amount for XXXX. I also had a security deposit that was not given back and I am assuming was applied to the prorated amount that was owed. I do dispute the amount that is said to be owed and do not owe said amount. I have disputed the account several times and the incorrect amount has been lowered but is still not accurate. The collection account from Fair Collection & Outsourcing is showing an open status and balance which is incorrect.
Consumer complaint received 2021-09-27
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. (FL)

I have filed numerous complaints against this credit bureau on this website for the same issue that I am complaining about today and this credit bureau has failed to provide the evidence requested and or remove the item from my credit report. This credit bureau continues to state that a XXXX XXXX XXXX account number XXXX that was allegedly owned by me that it is reporting accurately on my credit report. I then exercised my rights under the Fair Credit Reporting Act and I requested of them ''There Method Of Verification ''. Now they got my request for there '' Method Of Verification '' on XX/XX/2021 and the Fair Credit Reporting Act clearly states that the credit bureau should provide me with there method of verification within 15days of me making the request. Today is XX/XX/2021 and to this date I have not gotten there method of verification and this is a clear FCRA violation. They cant and or they wont provide me with there method of verification but yet they refuse to delete XXXX XXXX XXXX from my credit report when I repeatedly asked them to do so. I keep on getting letters in the mail stating that it is been reported accurately but no method of verification is sent. 
The method of verification should entail : a ) The description of the procedure used to determine the accuracy and completeness of the information. 
b ) Name and address and telephone number of each person contacted regarding this alleged account. 
c. ) A copy of any documents bearing my signature showing that I had any form of banking relationship with this bank and the true status of that relationship now and then. 
d ) No E-Oscar response but a valid investigation was what was requested To this day no method of verification has been received by me and this is a clear FCRA violation.
Consumer complaint received 2022-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (FL)

Collection Agency - Medicredit XXXX XXXX XXXX XXXXXXXX is attempting to collect a dept that XXXX has paid in full on XX/XX/2022. 
Have they conferred with the provider XXXX XXXX XXXX  regarding this payment. 

XXXX Confirmation number of payment is XXXX. There is NO BALANCE DUE.
Consumer complaint received 2020-09-25
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. (OH)

Recently paid off collection with XXXX XXXX  ( XXXX ) I was sent a letter stating that once last payment is made they would send deletion letter. Received deletion letter so I sent to Experian Because XXXX XXXX has been removed but XXXX is still on report and showing as derogatory I would like for XXXX to be removed ASAP as this not legal for original creditor still reporting on report
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NY)

To whom this may concern I been trying to resolve this issue with the department of education/nelnet with all 5 accounts for years and they refuse to fix and knowingly they are wrong. They been reported late payments on my account when it should have been current with no past due like the rest of my payments. 
XXXX of XXXX XXXX XXXX and XXXX has negative remarks. And I did everything I was supposed to do as far as sending in my Papers to renew my forbearance status. These accounts been open since XXXX which is too old to be on my account anyways.
Consumer complaint received 2019-12-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

Enhanced recovery erroneously created a 1-month debt collection on my XXXX   credit report. I discovered this while applying for a home loan. They put on as a debt in XXXX and said it was paid in XXXX. Leaving on my XXXX Credit report. I am requesting that this company immediately delete this entry in my report. 

6. ENHANCED RECOVERY CO XXXX XXXX XXXX ) Decode XXXX I XXXX XXXX XXXX CLOSED XXXX CURRENT XXXX XXXX XXXX XXXX XXXX XXXX Hist : XXXX XXXX CLSD XXXX APP Ctgy : COLLECTION Term : 1 MO ACCT SUBMITTED TO COLLECTION PAID 14. ENHANCED RECOVERY CO L ( XXXX ) ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (AZ)

CHASE BANK HAS NOT BEEN EXPLICIT IN EXPEDITING MY COMPLAINTS ABOUT CHARGES BEEN APPLIED TO OUR BANK ACCOUNT INCORRECTLY, AS I DISPUTES TO THEM WHAT ARE THEY FOR AND WHAT NOT. ACCORDING TO INFORMATIONS I'VE RECEIVED FROM THE CHASE BANK TO DAY! IT DOESN'T HELP BRING THE LIGHT OF JUSTICE, AND RIGHTEOUSNESS TO OUR BANK ACCOUNT DISHONESTLY. THE DISCRIPTION SENT TO ME TODAY : XX/XX/XXXX WITH AMOUNT DOESN'T MAKE ANY SENSE. BECAUSE, I DON'T KNOW WERE THESE MONIES HAVE GONE TO : THAT I'M NOT SEEN IT IN MY STATEMENT BEEN DEPOSITED BACK TO MY ACCOUNT, ARIGHT SHOWN FROM THEIR REPORTS, AND REPLY TO MY DISPUTES. I AM SINCERELY CONCERNED ABOUT CONSTERNATIOIN ACTIVITY MIGHT LEAD THE WAY TOWARD CONCEALEMNTAGAINST ME AND MY WIFE. DUE TO OUR AGING ELDERLY STANDARD. THANKS FOR ANY HELP GIVEN TO RELE GATE THIS FINANCIAL MATTER WITH CHASE BANK IT HAPPENED FROM XX/XX/XXXX & XX/XX/XXXX WITH XXXX XXXX WHEN WE WERE TRAVELING TO XXXX, HAWAII FOR MY SISTER 'S FUNERAL THEN.
Consumer complaint received 2019-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (VA)

I filed for Federal Loan Forgiveness with Fedloan Servicing in XXXX of 2019, but continued to pay on my loans with XXXX, a Department of Education Servicer. I received notice from XXXX that my loans were being transferred to Fedloan Servicing on XX/XX/2019. I had already paid XXXX on XX/XX/2019 my XXXX, 2019 payment. When Fedloan received my loan from XXXX they again billed me for the month of XXXX of 2019. I had no choice but to borrow the money and pay them a second payment for XXXX of 2019. I phoned Fedloan Servicing about this matter and spoke with XXXX ( operator # XXXX ), who transferred me to XXXX ( service operator # XXXX ), who transferred me to a supervisor XXXX ( operator # XXXX ). It is not fair that I be charged two payment in the same month. Money I do not have that is being juiced out of me by Fedloan Servicing who is in a position to deny my loan forgiveness if I do not pay. I want my second payment for XXXX of 2019 returned to me or applied to a future payment.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

We applied for a loan re-cast and were denied based on : - " Our monthly Income amount of {$8400.00} Is sufficient to sustain current payments under the Note and Mortgage without modification. '' - This is an error. Our monthly income is under $ XXXX monthly. 

- We are both retired and receive income from Social Security and a small XXXX XXXX XXXX. 

- Award letters were sent to lender along our letter of their error. 

Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ACS Education Services (CA)

I was struggling and requested a forbearance and they gave me one but then reinstated it I asked them to extend it a few more months and they said they would but never did. So now I have missed payments that are affecting my credit=. I asked them to remove it and they will not.
Consumer complaint received 2024-02-21
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. (WA)

When I attempted to log into Experian to thaw my credit freeze, I was unable to log in. My account had been taken over - the account recovery workflow was directing me to login info sent to an email address that is not mine. 

There was no way to get support to fix this issue. All phone numbers associated with the company went to the same robot assistant, which had no option to address my issue, and no way to contact a human. There was no chat bot, no email address for customer support, etc. 

I finally was able to take my own account back over by signing up for a new account with my same user info, which overwrote my account. While I'm grateful that it worked, since I was unable to get any support from Experian to resolve my issue, this demonstrated a hilarious lack of security. I would cancel my business relationship with Experian if that were in any way possible.
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (FL)

When I checked my credit report, I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX Account XXXX : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; FXXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX