davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-25
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. (IL)

The following creditors and Experian have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by the following creditors and Experian. Experian and the following creditors have been and are reporting my accounts as managed by credit counseling program which is not true. I sent certified mails and provided the evidence ( the termination letter from the credit counseling agency ) to all Experian and the following creditors which confirms that my accounts were regular accounts and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proofs from the following creditors or Experian of their inaccurate information and I didnt receive them from all of them. Since neither the following creditors nor Experian have any verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX on XX/XX/XXXX : XXXX. The following creditors and accounts should be deleted immediately are : Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX
Consumer complaint received 2018-10-26
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. (CA)

XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX I had opened an account through my XXXX office with XXXX XXXX in XX/XX/XXXX, I also co-signed for my wife 's account with for the same purpose at the same time. During the course of payments in XX/XX/XXXX XXXX posted pymts to my wife 's account, as opposed to mine, in the months of XXXX, XXXX & XXXX of XXXX. 

In XXXX of XXXX I spoke to them and they had in fact seen the error. I paid the account ( XXXX ) off in full XX/XX/XXXX to avoid any further issue. I was told by their rep, at that time, that I would receive a credit of XXXX for the late fees placed on the account due to their error ( which they applied on XX/XX/XXXX, and that the late payments showing on my credit report would be corrected. Actually, they said that the account would be bulls-eyed and that I should no longer see the account on my credit report after XX/XX/XXXX. I don't know what XXXX meant, but I was assured it would be corrected. The account had not been reported to the three major credit bureaus after that time as the last reporting was in XX/XX/XXXX. 

Unfortunately, after paying for credit monitering with Experian, I noticed the account was still showing incorrectly on my credit reports and asked for an investigation. Now after 2 investigations, and a whole lot of the blame game and which entity is responsible ( I was told - call the creditor - no - call the credit bureau ). And after showing proof of my claim, I still can not get the information to get corrected and XXXX XXXX, whose rep 's have been extremly rude, and Experian, whose rep 's seem to read off a pre-talking point memo, are refusing to correct the information. 

This is severely affecting, my otherwise, perfect credit, through no fault of my own.
Consumer complaint received 2017-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I work for the XXXX XXXX XXXX a qualifying non profit through FEDLOAN forgiveness. I have been making payements for 2 years and 6 months. I have learned that non of my payments have qualified. I set it up through them for income based payment, and direct debit through them for the payment. So this year, they have taken my yearly job certification and they have ignored it. They say my current payment is {$910.00} a month. I called and resubmitted the paperwork and the associate said it would be corrected and apologized. Now our billing statement has come out and again asking for {$910.00}. Also, all my uploaded documents have been removed from the " upload history '' on the website. So I faxed over the docs this year since they said they could n't locate the docs I uploaded. <P/>I do n't know what to do since I have done everything to try to fix this and too have all my previous payments go to waste it 's a little defeating. I hope that reporting this will help move the dial into fixing this.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

A critical issue arose regarding the reporting of charged-off accounts by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX as well as the failure to provide the required Form 1099-C for the canceled debt. Despite explicit requests, XXXX XXXX XXXX XXXX failed to provide the necessary documentation. As per IRC Section 6050P, the issuance of Form 1099-C is mandated for accurate reporting of canceled debt. The reporting inaccuracies have the potential to impact the accurate reporting of canceled debt on the income tax return. 

Regarding the reinsertion of information, Experian and XXXX, both credit reporting agencies, violated provisions of the Fair Credit Reporting Act ( FCRA ) by reinserting deleted information without proper notification and by not providing detailed information regarding the verification process. It is requested that Experian and XXXX provide proof of how they contacted to verify the information and the specifics of the information provided. Additionally, the name and occupation of the person who initiated the request to validate the concern, as well as the individual who replied to the credit agency, are requested for documentation purposes. 

Dates, amounts, and actions taken include : XX/XX/2024 : Formal request made to XXXX XXXX XXXX XXXX for the issuance of Form 1099-C. 
Failure to Provide Documentation : Despite previous requests, XXXX XXXX XXXX XXXX did not provide the necessary documentation. 
Legal Provisions and Regulations : Numerous legal provisions and regulations, including sections of the Internal Revenue Code, Fair Credit Reporting Act, Fair Debt Collection Practices Act, and others, were cited to emphasize the importance of compliance. 
Reinsertion of Information by Experian and XXXX : Experian and XXXX reinserted deleted information without proper notification and failed to provide detailed information regarding the verification process. 
Request for Documentation : Request made to Experian and XXXX for proof of the verification process and details of information provided. 
This information is intended to be sent to the relevant companies involved for resolution.
Consumer complaint received 2019-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: INVESTORS BANK (NY)

I opened the checking account on XX/XX/XXXX with the bonus offer : " XXXX, XXXX} per month for 10 months. Reward payments will cease at the earlier of reaching XXXX total or XXXX consecutive cycles from the date you opened your account. To be eligible to receive monthly bonus you must satisfy the following transaction activity requirements : have an ACH deposit to your account of {XXXX} or more during your statement cycle ; OR, complete 10 Point-of-Sale ( POS ) transactions during your statement cycle, using your XXXX XXXX XXXX XXXX linked to your account. " Until XX/XX/XXXX, the XXXX consecutive cycle ended, I had 10 cycles with equal or more than XXXX POS transactions in each cycle. So on XX/XX/XXXX 's statement, the 10th XXXX bonus should be posted. However, it was not. I online chatted and the agent confirmed that {XXXX} should be posted on the statement of XX/XX/XXXX. She said I need to contact the branch to let them manually correct the error and give me the bonus. I called XXXX and the agent confirmed again that the bonus should be posted. He submitted a case for me and promised I will get a response by Monday XX/XX/XXXX. But until today, I did not receive any response and no bonus posted in my account.
Consumer complaint received 2018-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

My loan was being serviced by XXXX-Education for years and I was making automatic monthly payments on three loans. Last year, XXXX became XXXX and my monthly payments continued. At some point in the XXXX or XXXX of 2018, account information about only two of my 3 loans was available on the website. It was unclear to me if I had paid off the third loan, as I did not receive any such notice. I sent in an email requesting information, and I never received a response. Today I attempted to login to the website, and it indicated that my loans were no longer being serviced by XXXX and that I should contact the new servicer. I have not received any information about a new servicer. I tried to call XXXX, and the message says they closed on XX/XX/2018 and to contact the new servicer. Again, I have no idea who the new servicer is or how to find out. I am concerned that I may be missing payments and that my credit will be affected.
Consumer complaint received 2017-06-25
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: EQUIFAX, INC. (MN)

I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX , Equifax and   XXXX   credit report that do n't belong to me. The collection account and credit inquiries are all fraudulent and unauthorized. I have been receiving threatening phone calls of death threats for the collection account with   XXXX   XXXX  . The following collection account is fraudulent and unauthorized :   XXXX   XXXX   {$460.00},  XXXX / XXXX / XXXX , the following credit inquiries are fraudulent and unauthorized :   XXXX   XXXX   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 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX. 15 U.S.C 1681 section 602A states I have the right to privacy. 15.U.S.C 1681 section 2.Its also state a consumer reporting reporting agency can not Furnish a account without my written instructions.
Consumer complaint received 2022-03-12
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. (MI)

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this COMPLAINT with CFPB as well as copies of the 10 written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite 10 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 


XXXX XXXXXXXX XXXX XXXXXXXX A copy of my credit report is attached. ( Review highlighted sections on report )
Consumer complaint received 2019-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I deposit my payroll check twice a month for the same amount, same employer check over the past 6 months.. Bank of America seems to somehow not hold the deposit, and yet the next time they DO place a hold on my payroll check. 

I just never know what to expect or how to plan for what seems to be excessive holds even though my account is in good standing, I have never had a deposit returned nor do I overdraft my account. 

I feel discriminated against, and they never can explain the inconsistency or why I cant depend on having access to my money. 
I asked to escalate my complaint and I get told their is no one to escalate my complaint to or explain why they are holding my deposit.
Consumer complaint received 2019-03-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

- XXXX and Transunion are reporting incorrectly that I am 30 90 days past due on the XXXX XXXX XXXX partial account numbers XXXX. ( Please see pages 12 and 13 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OR)

My problem is the same as described in complaint # XXXX in your complaint database. ( I can not see how this complaint was resolved, unfortunately ). Equifax refuses flatly to give me or my wife our free credit report on line. Per my phone conversation on XX/XX/XXXX with at least two different representatives, one of which was supposedly a supervisor, they require that additional identification be submitted on-line or faxed to an Equifax office in XXXX, both of which are unnecessarily burdensome, less secure, costly, and time-consuming. Additionally, the Equifax representatives refused to tell me why this was necessary, and refused to make any attempts at verification over the phone. They would not even tell me what would be in my credit report that would require extra verification. 

Additionally, attempts were made with Equifax on-line to freeze my credit and my wife 's credit last month, and again this week, after it became legally possible to do this ( XXXX and XXXX allowed us to freeze our credit on-line ), and it was not possible to complete the freeze ( the error message on screen said " Website unavailable, try again later '' ), probably for the same bogus reason of having to send in additional documentation to verify our identities. 

Neither XXXX or XXXX have similar practices, thankfully. 

I am pretty sure that Equifax would still sell me my credit report for money, without any additional verification process, but I am not able to obtain it for free. 

I would appreciate your efforts to stop this practice once and for all by Equifax and to make them sign a consent decree to give consumers their own credit report on-line for free, as required by law, without additional requirements for verification other than what has been standard industry practice. Please note, this has been going on since at least XX/XX/XXXX ( reference the following URL for a story in XXXX XXXX XXXX   regarding this ) : https : XXXX Sincerely, An irate consumer
Consumer complaint received 2017-06-25
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. (ND)

I am a victim of identity theft and have been a victim of identity theft for well over XXXX years. I have fraudulent and unauthorized credit card accounts and credit inquiries listed on my XXXX XXXX and Trans Union credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX/XXXX : XXXX-XXXX-XXXX-XXXX, XXXX XXXX/XXXX XXXX : XXXX-XXXX-XXXX-XXXX, XXXX : XXXX-XXXX-XXXX-XXXX, the following credit inquiries are fraudulent and unauthorized : XXXX XXXX/XXXX XXXX XXXX,  XX/XX/2017, XXXX XXXX/XXXX, XXXX, XXXX XXXX/XXXX XXXX, XX/XX/2017
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MI)

XXXX is reporting credit inquires on my consumer report without permisable purpose. I want this reporting agency to provide me with proof of this. Credit inquirys are listed below : XXXX XXXX ( bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX ( bank ) XXXX, XXXX
Consumer complaint received 2018-10-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

I recently received an update on my credit report that a bill from the XXXX XXXX XXXX XXXX XXXX has been sent a collection agency on XX/XX/2018. The total balance due is {$180.00} and says the account was opened on XX/XX/2018. I have never had an account sent to collection or any derogatory marks or late payments. I didn't receive any phone call or letters regarding this bill so I wasn't able to resolve the issue before they sent it to a collection agency. I would like to see what can be done to receive some goodwill and have this mark removed from my credit report.
Consumer complaint received 2022-07-25
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. (AL)

I sent a letter to XXXX XXXX XXXX asking for a copy of the ORIGINAL Contract with all parties involved signatures and gave them 14 days to do so. If they were not able to provide me with the contract, I requested that they cease and desist all collection activities, including reporting to all consumer reporting agencies/credit bureaus. I also promptly requested deletion of any and all prior reporting that was made to all consumer reporting agencies/credit bureaus along with a copy of the letter sent to the reporting bureaus. XXXX XXXX XXXX refused to do so. Instead, they sold the account to XXXX XXXX XXXX. I will be sending the same letter to XXXX XXXX XXXX. I DO NOT have a contract with XXXX XXXX XXXX, nor do I have a contract with XXXX XXXX XXXX.
Consumer complaint received 2022-03-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (WI)

Events in order below : XXXX I put {$2100.00} into my venmo account. 
XXXX I used my venmo debit card to .are a payment online for {$650.00}. 
XXXX tried to transfer money from my venmo account to my partner for bills that I owed her. 
XXXX I receive an email from venmo that my account is frozen as are my funds ( {$1400.00} ). Venmo is requesting I send them a picture of my ID. 
XXXX send them a picture of my ID immediately. No confirmation email or reply ( still, XXXX days later ). 
XXXX reach out to chat support and they tell me a " account specialist will need to review my ID for further confirmation and my funds are being held ''. 
XXXX -I email asking for update - no reply XXXX I call and email asking for update - no reply to email, call says they will ping the account team, but the rep can't do anything to help. 
XX/XX/11 - email again asking for an update -no reply. 

I have bills to pay, rent to pay, utility bill is overdue and I need access to my funds that have been frozen with no reason or explenation?