davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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 am being denied all my payments that should count toward PSLF. 

I have been teaching for 25 years at a low income school which would qualify me for public service loan forgiveness which Biden just opened up more options to qualify where before I couldn't. I have been making payments for years, enough to count for XXXX payments. I had a bankruptcy in XXXX. I wanted to start a PSLF and they told me that I needed to consolidate my loans XXXX ( I had no choice ) and change my payment, which I did. I have never been in default on my loan and have done all that they have asked, through all servicers. Now Biden 's PSLF is qualifying everyone going back to XXXX, which would lend itself to my situation. I submitted application for and they told me that I couldn't qualify for PSLF because I consolidated my loans in XXXX ( for PSLF upon their direction ) This doesn't seem to make sense. And I am going to be penalized for their direction in the process and doing what I was told to do. I currently owe about XXXX, I have had XXXX qualifying payments ( that I can show ) and have worked at low income schools since XXXX ( all the criteria needed for PSLF ). When I try to reach out to student loans it is a hopeless action, there is no one to respond or answer calls, emails... To make matters worse, the process of PSLF keeps saying to wait as credits continue to change. I've waited months and months and mine haven't changed but I only got the letter that say it won't go back prior to XXXX. The deadline is XX/XX/XXXX for Biden 's program. I need an advocate because I am getting the run around and am running quickly out of time. Meantime my peers with similar situations are getting their debt wiped out. I am a single mom and this is not a little deal and would completely change my life circumstance. I am not asking for special treatment but for the same treatment that others are receiving.
Consumer complaint received 2021-05-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XXXX. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

there is no sufficient information to support XXXX  and Experian 's claim, XXXX XXXX. This creditor has been posting my payments late but i religiously paid on time. Please remove the late remark from my credit report ASAP
Consumer complaint received 2022-03-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

On XX/XX/2022, I, have sent a notice of dispute on the validity of alleged debt to Equifax. During this time it is required for all debt collectors to cease all collection activity including any previous furnishing of the dispute information until the dispute is resolved. My current credit report is proof that Equifax is still presently reporting incorrect information during this dispute process. This is a direct violation of 15 U.S.Code 1692g ( b ).
Consumer complaint received 2015-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in 2011 I have received an offer for modification from bank of america. After numerous conversations Bank of America representative advised me to stop making payments in order to qualify for modification, and I was told that in case of modification being approved the lates would be removed from my credit report. However it has been 4 years since my approved modification and bank of america has not removed the lates from my report which they forced me to have in first place. Now I ca n't even refinance or sell my house due to their negligence and ignorance to my numerous requests. I hope this complaint will bring justice and have bank of america comply and remove lates reported erroneously in first place
Consumer complaint received 2016-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MO)

My loan is in default and has been referred to the guarantor. I contacted the guarantor and was told to contact Navient. Navient allowed me to make a payment. I was then instructed to setup auto payments in order to allow Navient to " begin '' working with me. The payment posted to the account after three business days. I called back to setup the online payment and I was told that there was nothing they could do until the account was under so many days past due. So, I was given incorrect instructions from the beginning and led to believe that my account would be brought into a status so that I could get on income based payments. I have a few options left that are not palatable, but I am tired of working and doing what I am told to do and then being told that it is not enough.
Consumer complaint received 2022-01-21
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. (NC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-21
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. (NV)

Back in XXXX of 2021, I have submitted a request for an investigation on items that are potentially fraud and incorrect. I have supplied with necessary information for them to initiate a formal investigation including my ID and other personal information along with FTC complaint form filed. Since then, very little, if not any, action have been taken by credit agencies involving my investigation request. By law, they have to conduct an investigation within 30 days from the complaint and yet as of this date, nothing has been done.
Consumer complaint received 2021-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I.C. SYSTEM has been contacting me against my will with no prior written consent. This is an aggressive and illegal debt collection/ tactics. I do not have contract with ic system or any of its affiliates. I have granted ic system to validate proof I owe any debt which they have not and can not. I have sent all communication to ic system with USPS certified mail and green slip return and they have not refuted or rebutted my affidavit, and cease and desist and billing invoice for the Federal laws they violated against me as a consumer. I have put ic system on notice on XX/XX/2021 and XX/XX/2021 with affidavit, cease and Desist and billing invoice and evidence of violations. I gave ic system 30days upon receipt to rebut the documents. Then I sent a notice to XXXX  with 10 extra day to cure the violations. I have been damaged, I feel threatened from this debt collector. I have acted in good faith with ic system notifying that I will pay any debt that can be validated but ic system has continually failed to validate or show proof of any debt or contract. I will continue to enforce my federally protected rights until I get what I want from this situation.
Consumer complaint received 2021-08-28
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 — Investigation took more than 30 days
Company: The CMI Group, Inc. (SC)

On ( XX/XX/2021 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have been trying to get items off of my credit report that are in violation of 15 USC 1692g. I reached out on XX/XX/21 about the violations and to date I have yet to hear back in regards to my disputes and it has been over 45 days. I feel as if my disputes are being pushed to the side and I am being taken advantage of. With laws in place stating I must be notified of my debt, I was not and I do not validate this debt as the original creditor. So these items must be removed as I am seeking litigation for defamation. I have even called in multiple times in order to see what is happening with my disputes to no avail and I have exhausted all my options.
Consumer complaint received 2021-05-12
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: Receivables Management Corporation (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-03-28
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. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-28
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. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (WA)

I paid XXXX XXXX before loan was transferred to XXXX in XXXX. I have no record because I bank with a different bank Shows 90 day late without 30 or 60 day late.

All three bureaus show different information Account was in litigation while they reported late They failed to investigate disputes I disputed loans all XXXX XXXX all disputes were not investigated and verified accurate. 

Just disputed again last month and failed. I called to have them remove late payment and they would not do it. Even agreed to pay for a loan that was already paid off.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-21
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. (CO)

Discovered an auto loan account in my Experian credit report being handled by XXXX ( XX/XX/XXXX ). I called XXXX ( XX/XX/XXXX ) to inquire about the account, but they were unable to locate an account with my personal information ( SSN, Address, Name, DOB, Phone Number ). This occurred on multiple occasions ( XX/XX/XXXX, XXXX ). I also filed a dispute with Experian ( XX/XX/XXXX ) to have the account removed. The dispute results ( XX/XX/XXXX ) were provided and XXXX reported that the account did in fact belong to me. Again, I called XXXX and they are not able to find an account number associated with my personal information. I then called Experian ( XX/XX/XXXX ) and uncovered that there are several addresses, an employer, phone number, and name ( similar to mine but with a hyphenated last name ) tied to me. They were able to remove one of the addresses, employer, and telephone number, but not the auto loan account and name ( with identification number ) that is not mine. It seems the second address, auto loan account, and name ( hyphenated ) are tied together. Experian acknowledged via phone call that the information being disputed is not mine, but refused to remove the information since XXXX asserted the information belonged to me. XXXX is also reporting my name is different via an email I received from them on XX/XX/XXXX asking for my SSN and copy of credit report. I did not respond as they should be requesting the information through Experian and not be contacting me directly. I feel I am a victim of fraud and request a thorough investigation be completed on XXXX and to have the information removed from my credit report. I also plan to file a fraud report with the local authorities.
Consumer complaint received 2021-08-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I received a copy of my credit report and sent a letter disputing some items that need to be deleted but I have not received a response. According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.
Consumer complaint received 2023-09-11
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. (SC)

In accordance with the Fair Credit Reporting Act, 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 2015-04-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (WA)

I was working in a temporary job and did n't have the funds to pay my student loans. So I ended up defaulting. Almost 3 years ago My XXXX XXXX private students were submitted to XXXX XXXX . I entered into a payment plan with them including paying an upfront fee of {$1000.00} to enter a reduced interest program. I was allowed to pay approx {$180.00} a month and was told after 3 months I would be reduced down to a .01 % interest rate. As I was noticing this never got fixed I began to ask questions. I finally got them to agree that it had been fixed with this month ( XXXX ) my payment was not removed and I received a default notice from Navient. They stated they did not like the terms of my agreement and the removed it from their hands and revoked my payment plan. Now they are demanding money down to start me on a new plan and tell me that I will have to pay more than the amount originally paying. I can not imagine that this is a legal move on their part. I had agreements and paid continuously and on time for 2.5 years. They are once again trying to XXXX those working to try and pay off their debts.
Consumer complaint received 2022-01-21
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. (NY)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-05-12
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: JPMORGAN CHASE & CO. (FL)

I filed a dispute on my chase credit card for fraudulent transactions. The merchant XXXX sent me 2 different emails. One alerting me to fraud on my XXXX account. The second notifying me that the charges were determined to be fraudulent and that they would be refunded. Chase refused to refund the charges, even after providing them these email evidences from XXXX. Chase has zero reason for denying this claim outside of greed. Even the merchant agrees. After reviewing my documentation emails and review the attached Chase statement with the refunded charges that were reapplied, you can see clearly that Chase has all the evidence and even merchant admittance to refund these charges. Chase even has documentation of the merchant saying that they would personally refund these charges. Chase Bank 's failure to rectify this situation just shows that they are acting recklessly. This goes beyond a simple mistake.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

Debt collection agency contacted XXXX XXXX  and obtained an itemized bill which is against XXXX, they also could not provide a copy of my signature giving permission to release my information to third parties or any piece of evidence that tied me to the debt other than my name after sending them certified mail requesting breakdown of fees as well as signature. I will be sending another letter as well as proceeding with legal action.