davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-18
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. (NY)

On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number for the. first time. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been inserted on my credit report on XX/XX/2022 for the second time after it was removed yet again on XX/XX/2022. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Consumer complaint received 2022-09-26
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Equifax keeps reporting an old state tax lien on my credit in the amount of {$19000.00}, they are not supposed to report liens of any kind on my credit, this is a 15 U. S. 1681i, and U.S. Code 1692g wilfull noncompliance, and validity of debt falsely reporting same account twice, and reporting a State tax lien, which is a civil liability on their part. And they are in 15 U.S. Code ss 4504, statute of limitations violation, after the date of first delinquency, the debt is to be removed from the credit report 7 yrs later, they have kept this old debt on my credit report now for 13 going on 14 yrs, they are required by the Fair Credit Reporting Act to Delete this old tax lien account from my credit report. Whether they are reporting monthly payments or not. Instead of violating the act, they need to be in compliance with the laws, and rules set forth to protect consumers from unfair credit reporting. Delete the items or I will sue Equifax
Consumer complaint received 2019-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (KS)

I was sent an email stating that my loans were placed into deferment due to my enrollment in school. I NEVER agreed to have my loans deferred and do not wish to have my loans deferred. When I search myfedloan website to figure out how to put my loans into repayment, I was unable to do it. I had to take time to call the toll free number, wait on hold to then be told that I had to print and fill out a request to put my loans back into repayment and then scan back to them. I completed this on the XXXX when I made the call and my loans are still listed in deferment. This is ridiculous and should not have happened without me making a request to defer my loans. I have copied the email that I received below. 


XXXX XXXX UNIVERSITY notified us that you're enrolled in school. We placed your loans on an In-School Deferment or updated your existing deferment dates. This means you are not required to make payments until your deferment ends. However, if you are able to make payments while on a deferment, it helps to reduce the total amount you have to pay back. 

In-School Deferment Dates Deferment Begin Date XX/XX/XXXX Deferment End Date XX/XX/XXXX
Consumer complaint received 2021-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

Dear CFPB My name is XXXX XXXX and I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan on XX/XX/XXXX and disputed contradictory letters I have received ; FedLoan Servicing never responded. 

I contacted FedLoan via chat XX/XX/XXXX to understand how my payments were calculated towards the PSLF/TEPSLF programs. I requested a review of a number of payments that were incorrectly marked as ineligible for the TEPSLF. It would appear I should be eligible to apply XX/XX/XXXX. 

I contacted them again on XX/XX/XXXX as no updates had been made to my account. They informed me it could take up to 90 days for the review to be completed. On this date of contact, 105 days had passed. 

I submitted an application for forgiveness on XX/XX/XXXX. On XX/XX/XXXX, I receive a letter stating I had only made XXXX payments towards the TEPSLF program. However, all of the payments since my previous employer certification from XX/XX/XXXX to the current date were not included, adding an additional 9 payments, bringing my total to 119 payments. 

On XX/XX/XXXX, FedLoan contacted me via phone and informed me that if I resubmitted my application on XX/XX/XXXX or later, I would meet the 120 qualifying payments. 

My application was resubmitted and received on XX/XX/XXXX. 

On XX/XX/XXXX ( dated XX/XX/XXXX ) I received a letter confirming I had made 120 qualifying payments for the TEPSLF program. My account was also updated to reflect I met the 120 qualifying payments. 

On XX/XX/XXXX ( dated XX/XX/XXXX ) I received a letter stating I was ineligible for forgiveness under the TEPSLF program as I only had 110 payments. It is impossible for my payment count to still be 110 6 months later when I meet the criteria. 

I have not changed my qualifying employer in over 9 years and previously worked at a qualifying employer ( all of which has been verified by FedLoan ). 

I am asking you the CFPB to contact FedLoan Servicing and get FedLoan to fix this and forgive my loan as I have submitted my application, meet the criteria, and have surpassed the number of qualifying payments. 
Sincerely XXXX XXXX
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

SOUTHWEST CREDIT SYSTE XX/XX/XXXX XX/XX/XXXX XXXX XXXX I XXXX XXXX XXXX  XXXX  I XXXX XXXX XXXX XX/XX/XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX HIGH CREDIT AMOUNT IS ORIGINAL LOAN AMOUNT ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPARTMENT COLLECTION DEPARTMENT/AGENCY/ATTORNEY UNPAID THIS IS NOT MY ACCOUNT , MY MOTHER RECENTLY GOT XXXX  FOR HERSELF IN MY HOME BUT I NEVER HAVE. ALSO THIS BOGUS ACCOUNT HAS BEEN RE-AGED TO FURTHER DEGRADE MY CREDIT
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Have a Problem with TransUnion there is a 30 day late that's reporting on my credit report from XXXX XXXX This company is reporting incorrect and inaccurate information I was never 30 days past due This information is Fraudulent and misleading Section 807 violation and misleading false reporting I, m seeking litigation from this late payments and please delete from credit report.
Consumer complaint received 2021-10-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-01-06
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. (PA)

Do To State Consumer protection law and the state of emergency my state of Pennsylvania has an New law Called PA Cares Act that prevents and makes it illegal for Furnisher or credit bureaus to report keep and collect negative and adverse action on reports. Violation of this law will result in a further complaint to pa attorney generals office as well as a lawsuit in small claims court in my jurisdiction under the frca and the pa cares act.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

XXXX XXXX XXXX was servicing my mortgage load for Loancare. In XX/XX/2020 I had an escrow overage of {$200.00}. Loancare sent me a check for the overage. I deposited the check into my checking account. 13 MONTHS LATER, Loancare put a stop payment on the check. 13 MONTHS LATER with zero explanation! Zero! No letter, email, call, NOTHING! I have since refinanced and am with a different mortgage company. While XXXX was servicing my loan, they were not distributing my payments correctly and I had to file a complaint with you. 
This company is shady at best. 
I work hard for my money. I believe they are thieves! 
There needs to be an investigation. 
I want a new check for {$200.00}. 
Unacceptable!
Consumer complaint received 2020-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America has two accounts opened up under my name, one is a Bank of America Advantage Plus Banking ( checking acct XXXX ) and secondly is a Bank of America Advantage Savings ( savings acct XXXX ) that were opened up, just not by me. 

Info on Bank : Bank of America Corp. 
Centralized Account Opening- deposits XXXX XXXX XXXX XXXX , Az XXXX An account for XXXX XXXX Credit accounts was opened ( under my social security # ) I called XXXX XXXX to have it closed, verifying who I was. ( under very fraudulent terms ) XXXX TOLL FREE : XXXX XXXX XXXX XXXX XXXX, WI XXXX
Consumer complaint received 2021-10-06
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. (PA)

Customer Service XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : XXXX Fax : XXXX Office Hours : Monday-Friday XXXX to XXXX XXXX  Central Time Email : https : XXXX I would like to file a complaint on XXXX, the loan servicer for XXXX XXXX XXXX XXXX. I have two private student loan accounts with them. 

I have contacted XXXX  and XXXX multiple times regarding forbearance, I lost my employment due to XXXX on XXXX of XXXX  and I am also XXXX. In the last year and a half I have been given missinformation regarding my account, I have been advised that my loans are in forbearance while reporting to the credit bureaus that I am past due and heavily impacting my credit score and my ability to retain housing and transportation services due to the credit score being incorrect. 

XXXX has single-handedly dropped my score over 100 points in the last year. I have filed disputes with the company, credit reporting agencies and XXXX is continuing to advise me that my loan is in forbearance while marking my account overdue instead. Each time I contact them there is a different reason why and each time it takes over 3 months to resolve, while they advise me to wait they are also reporting incorrect information on my credit report.
Consumer complaint received 2021-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (WI)

On XXXX I scheduled a payment for half of my open balance for XXXX and the remaining portion of the balance for XX/XX/XXXX which would bring my balance to {$0.00}. On XXXX I also reached out to have the account closed. The live chat agent confirmed that the balance was scheduled to be paid in full and confirmed that the account was closed. 

On XX/XX/XXXX i received an email saying my payment scheduled for XXXX was returned. It was not withdrawn from my bank account. I reached out to customer service and they gave me many conflicting answers before disconnecting the chat. I reconnected with another agent who refused to acknowledge what I was saying and typed gibberish. His responses were not coherent. He said things like " may i now know {$1500.00} '' which made no sense. I requested to be transferred to a different agent. Once transferred, i began receiving notices that the agent was ending the chat every 15 seconds, making it nearly impossible to communicate. The agent then gave me conflicting information, telling me the payment was on hold for 6 days and then would clear, then saying it could either clear or be rejected in 24 hours, then saying it is on hold for 6 days again and the email I received was incorrect. I feel this is retaliation for me requesting my account to be closed. I have expressed that all I want to do is pay my full balance and close my account but they are refusing to accept payment. They would not provide me with chat transcripts and did not allow screenshots.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

I have a credit balance on my rewards card. I called to have it transferred to my Citi savings account. Instead Im told I must mail in a request for my own money to be put in my account. Citi needs to do this over the phone or at least give me an email address to get this deposited into my savings.
Consumer complaint received 2021-10-07
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: Santander Consumer USA Holdings Inc. (SC)

Car was purchased in XX/XX/XXXX and was in an accident resulting in a total Loss in XX/XX/XXXX. This account was included in a LAWSUIT filed against the company in which the loan and any balance owed was to be deleted from my credit report due to a determination Santander used unfair predatory loan charges to low income and subprime credit customers. The settlement with Santander stated it will resolve allegations that the bank violated consumer protection laws by putting subprime borrowers into loans that carried a high probability of default. Instead of doing so and removing this account from my report, it is inaccurately STILL REPORTING, affecting my score and has recently been updated to state closed as of XX/XX/XXXX is is absolutely NOT TRUE. I would like this account removed immediately or there will be legal consequences.
Consumer complaint received 2021-10-07
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. (VA)

XXXX XXXX is showing on my XXXX  and experian that i was 30 days late in XX/XX/2018 i have asked several times for verification of this and nothing gets provided i have disputed it many times as well and nothing changes. I am positive i was not late at all on this account
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 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 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 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 XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Sharing my private personal information It's a PRIVACY ISSUE that's a GRAMM LEECH BILLEY ACT violation failing to provide me with a clear initial privacy notice by mail I never opt in to receive notices by email I request the original written notice proof of I received a initial notice and annual notice that I signed that I opt in giving you the right to share my NON-PUBLIC INFORMATION, I have the right to privacy it's a PRIVACY ISSUE I never received any of the documents I requested in a timely manner.
Consumer complaint received 2022-11-01
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance {$48000.00} ; DEPT OF EDUCATIONXXXX XXXX Balance {$18000.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX {$9400.00}
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I was reviewing my credit and noticed the following inconsistencies which violate my rights as a consumer. The following charge off account listed with XXXX XXXX  XXXX CARD with the account number XXXX has the following inconsistencies and violations. I have attached with this complaint a copy showing all 3 credit bureaus side by side for your review. *The HIGH CREDIT is inconsistent across 2 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The LAST REPORTED is inconsistent across all credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late DATE LAST ACTIVE is inconsistent across all credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies* *The DATE OF LAST PAYMENT is also inconsistently reported across all credit bureaus. This is also a violation* As you know, the aforementioned inaccuracies are a violation to my right as a consumer and also a clear indication that this information was NOT properly verified upon you receiving it. I have faith in this credit bureau to be an outstanding company and protect my rights under the FCRA. Please delete the account from my report immediately and send me an updated copy of my report with the reflected changes.