davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (AK)

I received a pre-approval for a personal loan in the mail. The letter included loan amounts, APR rates, and a confirmation #. As I currently hold some credit card debt, and need to replace the windows on my home, I chose to inquire to what I would qualify for on XX/XX/2018. I was immediately denied. In the denial letter SoFi recommended I visit their " trusted partner '' XXXX. XXXX is " able to approve some people that SoFi can not ''. I complained via email on XX/XX/XXXX, as I was denied for having " obligations exceeding income '' ( with no explanation as to what that means ) and despite having a credit score over 800. The reply stated that the factors evaluated included credit history ( score over 800 ), level of education ( XXXX ), years of professional work experience ( 3+ ), and income ( over $ 50K ). I responded that their letter stated one reason, but their generic email reply stated it was a constellation of factors. I also complained as it appeared that they send pre-approval letters in order to send applicants to their " trusted partner '' after denying them ( potentially making them more desperate ). My email was then forwarded to a customer service rep who responded on XX/XX/XXXX that she would like to schedule a meeting to discuss the denial. I replied that I was not interested in having a verbal conversation, and wanted their explanation in writing. On XX/XX/XXXX I received a reply from a different customer service rep indicating that they had written a " clarification '' letter that contained " additional details '', and that I would be removed from their mailing list. The letter states that I was declined for " excessive obligations relative to income '' and " other - does not offer credit terms requested ''. I responded with further questions - SoFi says they calculate my " obligations '' based on averages ( not actual figures pertinent to my situation ), so I want to review what those numbers are. And what does " does not offer credit terms requested '' meant as I had made no requests. I had requested no dollar amount, no APR - I was sent a pre-approval letter. I also requested that they delete the account I had to create as I do not want my account hacked and information stolen. The second customer service rep replied on XX/XX/XXXX that the calculated debt to income ratio would cause the possible interest rates to exceed what Arkansas restricts to. I don't live in Arkansas. He was also unable to give clarification on what number was calculated as my average as it is " proprietary company information ''. He did say my account would be deactivated, and I could visit their privacy policy webpage. I responded with the information that I do not in fact live in Arkansas, and that I would make a complaint concerning their business practices as they are opaque, and their goal continues to appear to be to drive would-be customers to a " trusted partner ''.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-04-10
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. (PA)

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 OPM data breach as well as XXXX 's XXXX 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, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$64000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$21000.00}
Consumer complaint received 2022-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (PA)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Just received a phone call from this company, AFNI, and I informed them, yet again because I have requested a validation of debt previously, to send me a validation of the alleged debt to the address that they have on file the representative told me that they did send it, and to check the mailbox. I have not received anything from this company, and yet AFNI still proceeded to attempt to collect on a debt that is still going through a validation process. Pursuant to 15 USC 1692g ( b ) collection efforts must cease when a debt is disputed.Therefore, the phone call was in violation of 15 USC 1692, and AFNI has called me numerous times within the past couple of weeks prior to this phone call about this disputed debt. 

The representative also attempted to threaten me by saying that " the debt is not yet reporting to my consumer report yet so it would be best to settle the account. '' I informed the representative that reporting the alleged debt will be in violation of the FDCPA, as I still have not received a validation of the debt therefore all collection efforts must cease. He told me that I was incorrect, and that according to the FDCPA they are able to still collect on the debt. That is false, as that goes against the federal statute that was put in place in order to protect me, the consumer from abusive and deceptive debt collectors. 

Reporting a disputed, unverified debt to a consumer reporting agency qualifies as a collection of the debt, and all further attempts to collect on the debt including any subsequent reports to the consumer reporting agencies violates 15 USC 1692g ( b ) ( Semper v. JBC Legal Grp., XXXX WL 2172377, *4 ( W.D. Wash. XXXX XXXX XXXX  ). 

When I told the representative that the debt was an alleged debt he laughed and said " alleged? would you like me to tell you the balance on the account. '' I did not appreciate the accusation nor the abusive and condescending tone that this representative displayed. Again, I have never received any documentation about this alleged debt from AFNI so for them to slander me for something that they have yet to prove and then threaten to report it to my consumer report is extremely harmful to me and my reputation as a consumer. 

At the end of the call I told him again to send me validation of the debt to the address that they have on file and that all collection efforts must cease, he said okay and we will still continue to collect on the debt. I was blatantly threatened by this company while at work, which is a violation of 15 USC 1692d that is in place to protect me from such harmful actions. This phone call has put me in a stressful position which led me to have to finish work early because I was not able to do my job at a level of efficiency that is expected of me due to my mind being distracted by this phone call.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK (OH)

Discover Financial decided to close my account and when I had regularly posted payments on time for years. I feel I have been discriminated against and that its against the law of 15USC ss1666.

I told them I lost my job in 2020 and got set on a payment plan well when Ive started working again they just closed the account and they refuse to reopen it. This is negatively impacting my credit score.
Consumer complaint received 2020-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CO)

THE APARTMENT KEPT FLOODING & WAS NOT LIVEABLE. AFTER 3 FLOODS, & DAMAGED FURNITURE, I MOVED. THE APT SHOULD PAY FOR MY FURNITURE. THEY DIDN'T ABIDE BY THE CONTRACT. I DON'T OWE MONEY FOR MOVING. IT WAS AN UNSAFE ENVIRONMENT. I HAVE SUPPORTING DOCUMENTATION IN PICTURES. IF THERE WERE A PLACE TO ATTACH THEM, I WOULD. PLEASE, CONTACT ME AT YOUR EARLIEST CONVENIENCE, IN ORDER TO REMOVE THE ACCOUNT, FROM MY CREDIT REPORTS. 

THANK YOU FOR YOUR TIME
Consumer complaint received 2021-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (IL)

I opened my XXXX XXXX XXXX XXXX from Popular Bank Services on XX/XX/XXXX. However, the past two years, I've tried to cancel my card as soon as my annual fee was assessed. Both times I've called within days of my annual fee being assessed but I was told I can not have my annual fee refunded and my card canceled. Back in XXXX, my annual fee was assessed on XX/XX/XXXX, however this year, my annual fee was assessed on XX/XX/XXXX. So even with my XXXX calendar reminder, for the annual fee being assessed, it wasn't abundantly known when the annual fee was assessed. I've been trying to cancel the card when the annual fee time comes up. Every other credit card issuer I have had or currently have cards with, XXXX XXXX, XXXX XXXX, XXXX XXXX  or XXXX XXXX, within a reasonable amount of time of the annual fee being assessed, they allow the annual fee to be refunded and for the card to be canceled.
Consumer complaint received 2020-07-25
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: U.S. BANCORP (CA)

I have a loan with US BANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX  and US BANK with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-07-25
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. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Consumer complaint received 2022-06-15
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. (CA)

XXXX XXXX XX/XX/XXXX XXXX XXXX EXPERIAN XX/XX/XXXX TO WHOM IT MAY CONCERN.

THE ACCOUNT LISTED BELOW IS A COMPLETE VIOLATION OF THE NO SURPRISES ACT, DELETE THE LISTED ACCOUNT BELOW IMMEDIATELY FROM MY CONSUMER REPORT. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I HAVE REQUESTED FOR ALL FRAUD ALERTS TO XXXX REMOVED FROM MY RECORD. 
THEY SEEM TO NOT WANT TO HONOR THE REQUEST. 
THIS NEEDS TO BE DONE IMMEDIATELY! 
I AM UNABLE TO USE YOUR WEBSITE BECAUSE OF ERRORS ON YOUR END. I HAVE BEEN WAITING ON HOLD FOR THE PAST 2 HOURS. 

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX PLEASE SEE MY ID ATTACHED
Consumer complaint received 2019-03-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc. (WI)

I have filled a FTC IDENITY THEFT report. I called Real Time Resolution and gave them my reference number for the idenity theft report. I felt by the way I was treated over the phone they really were not worried about this being a fraudulent account and more interested in collecting money.. I asked for the account to be deleted from credit bureaus and the conversation still seemed focused on me paying them.. I am a victim of identity theft and they refuse to acknowledge it.
Consumer complaint received 2019-03-25
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: Experian Information Solutions Inc. (TN)

XXXX and Experian are continuing to report past due payments that are too old to be reported. The continue to past due payments for student loans that are older than 7 years. Per the Fair credit report act, Remove negative information seven years after the date of first delinquency. This is not being done. XXXX and Experian are continuing to report past due payments for several close XXXX XXXX accounts that are older than seven years. I have disputed this multiple times yet XXXX and Experian continue to report out of date past due payment history.
Consumer complaint received 2023-04-10
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance {$610.00}.
Consumer complaint received 2019-03-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (GA)

I paid my personal student loan that was held by American Education Services with a personal loan that I received from XXXX XXXX. I have not received any information since the payoff, no letter confirming the payoff. In addition, the XXXX XXXX over paid the loan amount due and the refund check was never received by me, the borrower, nor XXXX XXXX. When I called the student loan company I was given a check # and an amount of {$770.00} but no one can tell me where it went only when it was sent and I have no confirmation of it, no receipt, nothing. 

It is extremely frustrating and the customer service is not good at all. 

We need to find where our check is and have confirmation of the payoff. The service that American Education Services has provided is extremely poor and seems a fit fraudulent because of the loss of funds and the bad communication. 

Company information : American Education Services XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX-XXXX-XXXX-XXXX  Fax : XXXX-XXXX-XXXX
Consumer complaint received 2019-03-25
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: Experian Information Solutions Inc. (LA)

XXXX ; Experian and XXXX  are reporting me 120 days past due on the XXXX - partial account number XXXX ( located on page 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to get this incorrect reporting fixed. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I HAVE REQUESTED FOR ALL FRAUD ALERTS TO XXXX REMOVED FROM MY RECORD. 
THEY SEEM TO NOT WANT TO HONOR THE REQUEST. 
THIS NEEDS TO BE DONE IMMEDIATELY!

I AM UNABLE TO USE YOUR WEBSITE BECAUSE OF ERRORS ON YOUR END. I HAVE BEEN WAITING ON HOLD FOR THE PAST 2 HOURS. 

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX PLEASE SEE MY ID ATTACHED
Consumer complaint received 2019-03-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I have had this loan for my daughter for over 15 years. It started at {$17000.00} and is up to {$30000.00} + Navient has not tried to help me pay down this loan they want an exorbitant amount of money each month. I am XXXX years old and just get social security and can not send them over {$400.00} a month. I tried to work our a repayment plan with them and they push me into Forbearance most of the time there have been times that I was also in deferment. To make a long story short the interest just keeps increasing. I can't talk to anyone that has enough power to discuss repayments most of the people I talk to are in another country. What they have done to people like me is criminal. I need help with this. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-15
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX  Acct # XXXX has violated my rights. 
15 U.S.C 1681 SECTOPM 602 A. States I have the right to privacy.

15 U.S.C 1681 Sectopm 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-03-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I sent a letter to the credit bureaus on XX/XX/XXXX, asking them to investigate errors on my credit report. All three were supposed to respond within 30 days, but I have only received a response from XXXX XXXX.
Consumer complaint received 2018-04-12
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: DISCOVER BANK (NY)

Back In XX/XX/2016 Discover I had a late fee the following month I paid my bill in XX/XX/XXXX and had told them I had a death in the family they agreed to remove late fee. I was recently on XXXX XXXX and noticed the late fee had never came off.

I had called discover and am still waiting for late fee to be removed.