davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I'm currently pursuing PSLF through FedLoan Servicing, and they have completely erased my entire history of PSLF payments. 

In XXXX of 2021 I was at roughly 82 qualifying payments towards PSLF ( pre-waiver rules ), but should be near or at forgiveness when the Limited Waiver is applied. However, as of XX/XX/2021 FedLoan has erased my entire PSLF history and it is now set to 0 with no explanation, especially in the context on the new Limited Waiver. 

I originally filed a complaint through the FSA with the Ombudsman, who helped get my pre-limited waiver PSLF payment counts to that 82. When my PSLF payment count dropped to 0 in XXXX I filed a new complaint with the Ombudsman, but they have put my request in " pending '' status and say that the error is " stuck '' with FedLoan. I have not been able to get any help from FedLoan or the Ombudsman in moving my complaint case forward. 

I am asking for my payment counts to be restored and for the limited waiver to be applied to update my now eligible past payments as I am either near forgiveness or should already have my loans forgiven under the PSLF Limited Waiver.
Consumer complaint received 2023-05-25
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. (MN)

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX 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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (RI)

violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account number : # XXXX 15 U.S C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1681 c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the
Consumer complaint received 2024-02-23
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. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-29
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. (OH)

To Whom it may Concern, This is this complaint is submitted Under OHIO XXXX XXXX XXXX of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill XXXX or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, XXXX, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, XXXX, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (UT)

See attached. I have repeatedly disputed this incorrect information to XXXX who REFUSES TO CORRECT IT! Now it's your turn! You need to be reporting accurate information to the bureaus. If not it makes you just as culpable as the bureaus as it's your responsibility to maintain accurate reporting with these bureaus. XXXX is the only one that continues to make errors on my report they refuse to correct. Then they claim they checked with you and you verified its accurate which it is not! The account status IS NOT ACCURATE and had better be corrected ASAP! You and the credit bureaus repeatedly report inaccurate information. It's time to put a stop to it and let the public know what's going on.
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (TX)

Hunter Warfield Inc, was mailed a Certified and signed Cease and Desist Letter, in that envelope was also a notification detailing their Violation of my Fair Debt Collection Practice Act rights and a demand for remove the false information from all my credit reporting files immediately. Hunter Warfield Inc. has ignored my communication for removal of the information. 

Copies of the two separate documents mailed by certified USPS to Hunter Warfield Inc. are attached. Also attached is the USPS Certified stub and copy of the delivery confirmation of that envelop to Hunter Warfield Inc. 

I formally request this case be forwarded to the Federal Trade Commission for a violation of ( 809. Validation of Debts ). As stated in the copy of the letter attached that was mailed by certified USPS to Hunter Warfield Inc.

Hunter Warfield Inc. made no attempt to notify me ( 30-day notification ) of the attempt to collect this alleged debt, it was simply placed on the credit reports in clear violation of my FDCPA rights to dispute and demand verification ( see attached copy of the letter attached that was mailed by certified USPS to Hunter Warfield Inc., titled Violation of Fair Debt Collection Practice Act.

There has been no attempt to correct the FDCPA Violation since receipt of notification of those violations, per the certified letters mailed and received by Hunter Warfield Inc. The Emotional Distress of Hunter Warfield Inc actions are unmeasurable.
Consumer complaint received 2023-05-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I mailed complaint /dispute letter to all three major credit reporting agencies. I havent received a correspondence or any kind of documentation or any matters pertaining my credit have been complied with me. This is the fourth time this year and theyre not acknowledging my certified mail thru United States postal service or anything. This is obscured. I will be seeking an attorney to handle this matter soon there are violations 5 frca laws n regulations. I suffer from identity theft its documented with all three credit reports.
Consumer complaint received 2020-01-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

My existing Mortgage is with Wells Fargo. We contacted them about a refinance anf filed the appropriate applications and sent a check for {$480.00} appraisal fee. Wells Fargo ( lets just call it the bank ) chose an appraiser and came to my home and made an exhaustive examination both inside and outside. We were informed by the bank that he came up with a value of {$490000.00} ten thousand less than the {$500000.00} we but on the submitted application but my wife and I could live with that difference. 
However several days later we were informed that there was a " third party interference '' with the appraisal and the bank would have another appraisal done at the banks expense. 
Incensed I asked the person at the bank, XXXX XXXX, for an explanation and on a recorded .conversation said in her numerous years at the bank she never heard of this happening. I demanded to know who the third party was and she said she would get back to me.She told me not to worry because the bank was paying anyway for a new appraisal. Now comes a new appraisal. {$370000.00} one hundred and fifteen thousand less then the appraisal I paid for. Several mistakes were brought to XXXX 's attention but she told us the bank wanted them in writing. I sent the written list and demanded again the names of the third party person,. who chose the new appraiser and the return of my paid appraisal fee. Back in forth with her and her supervisor for several weeks we were told we could get the mortgage using the new appraisal and the cash out we wanted HOWEVER there would be an interest rate increase then that we were locked into due to the decreased value of the second appraisal.Therein lies a fraud. Without explanations of mysterious persons involved in the appraisals. I went to the XXXX XXXX NY County Clerk to examine the listed assessment of my home and those used in the second appraisal and was informed that something was wrong with our estimate and that in his 30 years in the real estate department he never heard of a one hundred and fifteen thousand dollar difference between two estimates on the same house just days apart...
Consumer complaint received 2018-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp. (IL)

XXXX XXXX XXXX continues to charge bogus charges. I calculate over {$100.00} since the end of last year. I've called/messaged multiple times to attempt to resolve this unsuccessfully. For example, I was charged XXXX instead of XXXX on my XXXX statement. I payed an extra {$50.00} on my account in order to resolve this. I called to make sure this would take care of it and they assured me it had. Lo and behold, they charged another unexplained extra {$30.00} this month. This situation has repeated itself and I have the feeling they are taking advantage of multiple costumers.
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  XXXX  data breach as well as XXXX XXXX XXXXXXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2017-05-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MN)

On  XXXX / XXXX / XXXX  A judgment was placed on my credit report from LVNV Funding LLC with  XXXX ,  XXXX   XXXX   XXXX ,  XXXX  acting as the collection agency collecting the active judgment amount from the balance of {$6500.00} from a repossession in  XXXX . Although this debt was not paid the collection agency  LVNV Funding a nd  XXXX ,  XXXX    XXXX    XXXX ,  XXXX  do not have a license nor are they bonded to collect in the state of MN where this debt initiated. On all of the documents I have received from this company both names exist and neither  XXXX  come up as licensed and bonded in the MN of Department website. I would like to complain know what actions can be taken to recoup the money paid to them and get this judgment vacated and removed from my reports as it has impacted my ability to gain credit worthiness since it has been reported in  XXXX .
Consumer complaint received 2020-06-09
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. (OH)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request 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. ) When the original date of default and collection activity began 6. ) Whether or not 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 have attached a police report and an FTC report for identity theft.
Consumer complaint received 2020-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

There were disputes previously made not credited : XXXX XXXX {$25.00}. XXXX XXXX XXXX {$35.00}. XXXX XXXX {$150.00} XXXX {$23.00} and XXXX 's XXXX {$26.00} totaling {$250.00}
Consumer complaint received 2019-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Good Evening ; I dont understand how you are continuously able to verify this account! I dont recall ever being associated with this company that is unknown to me. Also, Im a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. I'm not an expert on this, but I'm sure this is a violation either under FRCA or and FDCPA.
Consumer complaint received 2022-12-27
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)

In accordance with the Fair Credit Reporting XXXX XXXX ( original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer agency can not furnish an account without my written instructions
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

For about 6-7 weeks now I have been unable to access my account online. I have made ~5 calls to get this resolved. Every time I go through the same repeated steps with the customer service rep ( reset password link sent, erase cache on browser, etc. ). I have explained NUMEROUS times that it does not matter what browser I use or if I use their APP, I get the same error message " Unable to Sign In. '' After several minutes on the phone, I finally convince the CR to send a message to IT. Several tickets have been created, with promises that IT will get back to me ( via email message. ) In XXXX weeks, NOTHING. No messages from IT, no resolution from IT. The last XXXX payments I've had to make on the telephone, which I do NOT want to continue doing. a new payment is due and I still have not had access renewed online. They have had 0ver 6 weeks to take care of the problem.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (SC)

In accordance with the fair credit reporting act, GLOBAL LENDING SERVICE Funding Account # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions. This company is under instigation and should not be reporting to my credit report
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (NC)

I XXXX XXXX have send in two letters to update the incorrect information on my report. I have my certified receipts. It is now pass 30 days and know response or action to my request have been made. The bureaus only have 30 days to respond to your letter. If they don't respond in time, the items you disputed are supposed to get deleted.
Consumer complaint received 2024-02-23
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. (DE)

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

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I was traveling and I was charged for service I didnt use, i tried contacting my bank and provided with all the proofs but they didnt resolve it although it was fraudulent activity. Because merchant misguided and mis communicated. 
This credit card institute did the same thing with me twice in three years although enough proofs were provided, they are not cooperative at all. 
I am complaining about them now that my friend has the same issue with this credit card institution. 
Please take action