davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (NJ)

Contract Callers Inc. requested {$150.00} per alleged owed utility bill of a property sold to new owners over a year ago. 

Notified initially via mail and then filed a dispute via XXXX online dispute form the same day I received notice. 

On XX/XX/XXXX, Contract Callers INC reported to the credit bureau XXXX. They have included a very damaging negative mark on my credit which plummeted my score and can potentially stay on my report for 7 years. I am literally in the process of purchasing a home and this has caused severe damage. 

A letter from Contract Callers Inc with the date of XX/XX/XXXX on the letter arrived to me during the 3rd week of XXXX. The letter CONFIRMED my alleged debt was in dispute. And attached a backend statement from XXXXXXXX XXXX  XXXX listing various amounts. It was not a copy of a bill or anything familiar to me, to use as proof/verification. 

Contract Callers Inc is in direct violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character. They have reported to XXXX on XX/XX/XXXX, invalidated information that is still in dispute, and this action is constituted as fraud under both Federal and State Laws.
Consumer complaint received 2022-03-04
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. (FL)

Experian has blatantly disregarded my dispute letter in regards to this alleged debt. I have sent multiple method of validation letters requesting how they verified this debt and irrefutable inaccuracies letters and to no avail the dispute was closed multiple time with no method of validation toward the validity of the debt. 

The original balance being reported for XXXX XXXX is {$1500.00}, yet it's currently being reported as balance owed as {$1500.00}. Also, a collection account can't have a past due amount due. 

I've sent numerous letter to Experian advising of said information and to no avail have they haven't acknowledged said inaccuracies or deleted said accounts to abide by the FCRA compliance. They just cant verify the accounts by telling me that it has been verified per FCRA 15 U.S.C 1681 ( a ) ( 4 ) when there are clear inaccuracies with supporting document providing such proof. 

Also, how can two debt collection companies XXXX XXXX XXXX and XXXX XXXX attempting to collect on the same alleged debt of {$3700.00}. 

Please see the attached recent method of validation letter sent, certified receipt 's of letter sent to Experian. More so, a screenshot from Experian.com of this account showing the inaccuracies. Also, the mail sent by XXXX and XXXX XXXX XXXX 

This is clear violation of my civil rights and FCRA. Permanently delete said accounts asap for inaccurate furnished data to comply with FCRA guidelines
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I've disputed a fraudulent bankruptcy filing under XXXX XXXX XXXX   CA XXXX CASE # XXXX with Experian several times which Experian has continued to ignore. Experian claims they received this information from a 3rd party Vendor of XXXX XXXX XXXX XXXX XXXX which I've attached to this complaint as proof. Upon getting this information from Experian I've reached out to the vendor they claim that provided them this information and started a fraud dispute with XXXX. After XXXX investigated my fraud claim they came back that the listing in its database was fraudulent and they had removed it from all XXXX databases. 

Experian continues to play games with my dispute and acted as if I didn't submit my own dispute. With that said I've attached all proof for my dispute including my Drivers License, Social Security Card and Utility Bill as proof that it is me XXXX XXXX that is submitting the proof through the CFPB to Experian. Also this dispute that is being made through the CFPB is a result of trying to reach Experian directly with many failed attempts. Experian doesn't answer phone calls or return messages.
Consumer complaint received 2020-06-05
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. (TX)

XXXX ; XXXX and Transunion are failing to review and/or research any of my dispute letters. I have not received any communication from XXXX ; XXXX or Transunion regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. ( 1 ) You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. ( 2 ) Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. I respectfully request the following items be reviewed by XXXX and Transunion XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. Also, I respectfully request the following items be reviewed by XXXX and Transunion - XXXX XXXX  partial account number XXXX and XXXX XXXX partial account number XXXX. ( Please see attached pages from my credit report. )
Consumer complaint received 2016-03-02
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (VA)

I submitted an Income Sensitive Repayment Plan form to American Education Services ( A.E.S. ) via a fax and certified mail and I received an email from a XXXX ( a representative of A.E.S stating that the Income Sensitive form form was received on XXXX but as of today my AES account states that my student loan is 5 days past due and this information is being reported to all the credit bureau agencies. Every time I contact A.E.S. I am giving excuses as to why my account has not been updated to reflect my Income Sensitive Repayment Plan. I has told them on numerous occasions that I am and have been unemployed for several years and this Income Sensitive Repayment Plan will keep my acount in good standings and also keep in from going into default.
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX 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 reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I was given the option to put my loan in forbearance by Carrington Mortgage for the months of XXXX and XXXX. I took this option based upon added expenses. I was not asked to provide any paperwork to be eligible. 
when the forbearance plan ended I began to make my regular payments ( still making those payments ) despite the covid related expenses being present. 
I requested that the two months of payments be added to the end of loan. I was told that I only qualified for a repayment plan ( almost double my current plan ) based upon my income. I was told that I would be considered for the HAMP streamline refinance so that my payments could be placed at the end of the loan. Even though I have submitted the RMA paperwork twice, they are only considering me for a repayment plan ( twice ) despite me letting them know that I can not afford the offered month repayments. They now hang up on me, or are not being helpful at all during this process. They are trying to me me start the process over again. I admit that I might not have captured all of my " expenses '' on the RMA, but I can not afford the 4 month repayment because of my added expenses. Instead of them working with me to resave this, they continue to tell me to resubmit XXXX a 3rd ) RMA for consideration. 
This is very frustrating, and it seems as if they are not trying to assist me as a first time homeowner and borrower. please help ...
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXXXXXX US dept of EDXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX, 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 reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I have submitted disputes to you guys and have not received a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have submitted disputes to you guys and have not received a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX and I have notice that the credit reporting agencies are reporting inaccurate information on my consumer report. I have also notice that they are not following what the FCRA has laced out for them in regards to 15 usc 1681 ( 2 ) ( A ) ( B ) ( I ) report containing information solely as to experiences and transaction between the consumer and the person making the report. Which is a clear violation. This is not 3rd party submitting this dispute.
Consumer complaint received 2022-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX US dept of EDXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX, 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 reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-30
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: Synovus Bank (SC)

I'VE DISPUTED THIS FRAUDULENT ACCOUNT NUMEROUS OF TIMES AND NOTHING HAS BEEN DONE. I'VE SUBMITTED MY POLICE REPORT, AND FTC REPORT LIKE INSTRUCTED AND STILL THE FRAUDULENT ACCOUNT IS STILL ON MY CREDIT REPORT. I'VE REACHED OUT TO THE COMPANY IN REGARDS TO THIS MATTER AND WAS INSTRUCTED TO CONTACT THE CREDIT BUREAUS. I'VE BEEN GOING BACK AND FORTH FOR OVER A TWO MONTHS WITH NO RESOLUTION. I NEED THIS ITEM REMOVED OFF MY CREDIT REPORT.
Consumer complaint received 2018-05-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

My minimum payments for all of my Navient student loans are set up to make it impossible for me to ever pay these loans back. 

Looking over my balances, I have several loans with a balance of {$1800.00} to {$2500.00} dollars and the payments are slated to end in XX/XX/XXXX. I graduated in XX/XX/XXXX. I should be able to easily pay these off, HOWEVER my minimum payment to Navient each month is {$950.00}. If I applied that minimum payment to one loan at a time I'd have 3 paid off in 6 months -- which would lower my monthly payment by {$100.00} A MONTH and save me a couple thousand dollars. 

I pay on time. I make XXXX a year with my sad degree. Unfortunately if I play by the rules I won't be able to own a home or afford my own car payment until I am XXXX anyway. So I'm taking matters into my own hands and taking the hit to my credit. I'm going to take my minimum payment and apply it to ONE loan. This will save me {$600.00} on that one loan and 7 more years of making $ XXXX   monthly payments on that loan to Navient. 

Attached you will see how many individual minimum payments I make monthly to Navient, 6 years after receiving my degree. 

My minimum payment due for the past 4 years has varied from {$850.00} to {$970.00} a month. I am not a doctor. I have a XXXX XXXX Degree. My father works for the XXXX XXXX XXXX and as he should, claimed me all throughout my college years. The amount of money the government believed my father of XXXX children should have had saved for me to get an education is absolutely ridiculous. I came out of school with over $ 80K in debt. This was career crippling. I couldn't move away to an area where I'd make more money. My monthly student loan bill was almost the size of my parents mortgage.
Consumer complaint received 2022-06-18
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. (VT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Account # XXXX 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 reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

US Bank Home Mortgage- I was approved through the HAF program for past due payment and 6 months of forward payments. I received my past due XX/XX/2022 and XXXX payment XX/XX/2022. I have not received XXXX payment. The HAF program says they sent XXXX payment and has now sent XXXX payment and US Bank are saying they have received nothing. Please help.
Consumer complaint received 2020-02-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION (NJ)

I applied for 3 year loan from one main financial. It was advertised as a 3 year loan, and it still is advertised as a 3 year loan. When I signed my contract I was shown that I was signing a 3 loan. I tried to work this out with the company. But the person who was in charge of this. Doesnt work their anymore, I asked for a copy of the contract I signed. The sent me a different contract that was esigned. Thats a different contract than the one that I signed in person. Thats a five year contract thats Im paying back three times than the amount that was borrowed
Consumer complaint received 2022-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX 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 reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I have had a Citi Bank card for 6 years and 2 months. NEVER late, NEVER delinquent. 16 months ago I took advantage of a " balance transfer '' offer they had. I set an auto pay to pay DOUBLE the minimum required monthly payment. As I had everything set on auto pilot I would check my account once every 2-3 months to see the balance. Steadily the balance went down. Until XX/XX/XXXX when I looked and noticed the balance went up {$870.00} without me even using the card ( white I was still making regular payments ). I found this alarming so I contacted them. Apparently in XX/XX/XXXX they changed my monthly minimum payment which caused my auto pay to be short and thus Citi Bank charged me an obscene amount of late fees. In addition the changed my interest. All of this with ought a phone call or email notification. This resulted in my credit card balance going up {$870.00} in 4 months without me even using the card for any transactions while I've been paying the card regularly. When I called Citi Bank they refused to do anything.
Consumer complaint received 2023-08-13
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. (IL)

Accounts XXXX XXXX XXXX XXXX- account number XXXX XXXX  XXXXXXXX XXXX XXXX XXXX- XXXX ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS 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 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 person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2018-05-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: VANGUARD FUNDING LLC (HI)

I talked with the benefits provider of my company to change the contact address to my current address. They did this and I received a letter from Vanguard stating this. 
Then on Thursday XX/XX/2018 I received a letter stating that my new address was my old adress ( it was showing my XXXX XXXX. as my " new '' address, with my current address of XXXX XXXX XXXX. as my " old '' address.

On XX/XX/2018 I called Vanguard and attempted to have them fix the problem. They said several times that I have to talk to my benefits provider in my company. I told them that I did, and that they correctly changed my address to XXXX XXXX XXXX.

I believe Vanguard does not know or care about my problem. I am unable to access plan changes or paper mail that they send me because they still think I live at XXXX XXXX.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (HI)

Im a simple banking customer transitioning to BBVA. Ive been trying to gain access to my account, which they have locked for no reason. 
Ive been calling to gain access but they claim to not hear me and immediate stay call them back and hang up. I just want access to my account and funds but they have not done so. Theyve changed my routing number, and because of that Im unable to pay my credit card bills as I need the routing number to link my account. Please advise.