davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (CA)

Sallie Mae enrolled my two private student loans in a modified repayment plan in XXXX of 2021 without my knowledge or permission. No document was sent to me notifying me of the change, and no documents were posted to the Sallie Mae site other than my statement referring to the new plan. The modified plan switched me to interest only payments vs. principle and interest payments, which if left as-is will cause me to pay an additional year 's worth of additional interest -- thousands of dollars. I didn't realize what was going on until XX/XX/2021 ~three months into the modified plan. I called Sallie Mae to get additional information and the first service representative I spoke with said it looked like I had been enrolled in a deferment plan before the line was suddenly disconnected. The second representative said the same, and told me that she'd ask for research to be done to find out what happened. I asked her to remove me from the modified repayment plan so that I could go back to making principle and interest payments. She said that she put in the request. I hope I'll receive some sort of confirmation letter or email but I suspect I'll be unenrolled from the modified repayment plan in the same undocumented manner I was enrolled. 

I have attached a statement for one of my loans prior to the change, and one after. Both of the loans I have with Sallie Mae are affected.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2019-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (TX)

I was contacted by phone in XXXX of 2019 ; a male person asked me for monies related to a debt I had no information about. I asked for details, the person threatened that an unpaid debt would " go on my credit report '', which I relayed that I understood that, however, I would not give him my credit card information w/o verifying it was a legitimate claim. I asked for a hard copy bill and any dates, details, etc. The male said he had the amount owed and I should know I owed it! I asked for an address to request details and was given an address in Georgia. I was skeptical and believed it was a scam but did not want to take a chance on an error causing a mark on my credit. I sent a Certified Letter to the address in Georgia and have received no information in return. I assumed it was, in fact, a scam. Now I see it on my credit report and do not know what to think. I had my identity stolen twice in the summer of 2019, therefore I have been extra careful with anybody contacting me out of the blue asking for monies. Especially monies I can't get details on. Can a scam company actually report to the credit agencies? I don't know what to do at this point. I have disputed this with XXXX  and with XXXX. Please help.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$2600.00}
Consumer complaint received 2022-05-20
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. (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$800.00}
Consumer complaint received 2021-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

i made a purchase for a very speicfic type of office charge overseas, they were to make it from top to bottom brandnew with the customer specific requests made to the chair. i was told the timelime to make it and ship it will take up to 3 months before i received the item. its been 3 month and not only have i not received it but i can not reach the seller whatsoever. unfortuantely my bank only offer XXXX purchase protection and now that its past them wont refund the money under the reason of not received item,
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer and natural person have been violated by EQUIFAX for furnishing inaccurate and unfair information which is ruining my character, reputation and mode of living. I was notified of this transgression of my rights specifically 15 usc 1681- The Fair Credit Reporting Act. I as a natural person have a right to privacy and was harmed by EQUIFAX furnishing an inaccurate account and unfair information to my consumer report. Your inaccurate reporting is of no value to me. According to 12 cfr 1022 a furnisher must have reasonable policies and procedures concerning the accuracy and integrity of furnished information. For violating my consumer 's right to privacy and furnishing inaccurate/unfair information you are liable up to {$1000.00} for civil damages pursuant 15 usc 1681n .
Consumer complaint received 2021-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

I called my mortgage company over six months ago which is freedom mortgage and asked them to drop my mortgage insurance since houses on my street were selling for almost {$150000.00} over my initial loan amount. They said that the mortgage insurance was based on the amount that the house was initially paid for and could not get rid of the mortgage insurance
Consumer complaint received 2022-10-13
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. (GA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX & XXXX XXXX Account : XXXX XXXX  XXXX
Consumer complaint received 2021-11-14
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: JPMORGAN CHASE & CO. (FL)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2021-11-14
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: CITIBANK, N.A. (FL)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2022-05-20
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)

Per the report furnished by Experian, there are XXXX inquiries that are fraudulent and unauthorized ( XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ). As the original creditor, I am reporting this as fraudulent activity, and identity theft. Per the FCRA section 606 ( d ) ( 4 ) -- A consumer reporting agency shall not prepare of furnish an investigative consumer report on a consumer that contain information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend or associate of the consumer or with another person whom the consumer is acquainted or who has knowledge of such item of information unless -- ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interview is the best possible source of the information. Experian is believed to be furnishing adverse information, on account that I am filing a complaint that fraudulent inquiries were made. Which further results in adverse action. According to the FCRA section 604 ( a ) ( 3 ) ( A ) -- As the original creditor, the consumer report is only to be furnished to other creditors who I extended credit to. There is no active account held with either of the creditors mentioned above that generated these fraudulent inquiries.
Consumer complaint received 2019-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (VA)

The account # on these accounts is XXXX XXXX XXXX Trident asset management- # XXXX These accounts do not belong to me. I have attached my affidavit of forgery on a police report. I have also attached a copy of my id as proof of my identity. I have also contacted the FTC concerning this matter.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

They have a block on my credit file. Asked me to send in the documents in which I did. And everytime I call their requesting the same documents stating theyre not clear. In which I know they are. The documents that are sent I are in color and is presented clear as day
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (IA)

Hello US Bank, im reporting today because I've been having issues with your online banking for some reason. I just made my online account for the first time on XX/XX/XXXX, XXXX my account was locked right after for no reason and I got it reinstated today XX/XX/XXXX after 48 hours. After having it unlocked, I applied for a second checking account and once again.. Online User ID Locked. not sure what's going on but I literally haven't been able to use my bank account
Consumer complaint received 2022-04-15
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have several wrong items on my personal information such as misspelled names, wrong addresses, and wrong employment that I have attempted to get removed from my credit report. I have explained this several times and it never gets deleted. Please delete these inconsistencies. I have attached my driver 's license and social security card to show my current information and prove my identity.
Consumer complaint received 2016-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

According to my XXXX I previously had a XXXX account reporting on Trans Union Credit Bureau that was deleted. I just check my credit reports this morning and XXXX is reporting again. This seem to be a constant battle that consumers have to go through. It should be a law established that once a item is deleted it should remain off the credit bureau report.
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Upstart Holdings, Inc. (MA)

This company contacted myself and four family members last evening around XXXX. They would not identify what type of company they were calling from and all they said is they needed to know my " location ''. They not once stated that they were attempting to collect a debt they just repeated the name of their company and would not answer what type of company this was to ensure my safety before advising my " location ''. Collectors should be calling to attempt to " contact '' a consumer, never to LOCATE them. I just left an XXXX XXXX XXXX XXXX XXXX XXXX and the fact that this company called late at night and ALL of my family asking for my location made us contact authorities thinking it was related to this XXXX XXXX situation. Even when I called today and stated it was me, they would NOT tell me what their company does or why they were looking for me ( again IE if they were attempting to collect a debt ) unless I told them my DOB and home address. Of course they were XXXX  on top of it, absolutely no customer service on their part which caused EXTREME distress and frustration on my end. They stated their script of stating they are looking for a consumers " location '' and calling multiple family members was provided by the CFPB so it was legal. This tactic is scary and inappropriate for the consumer, as you never know what a consumer 's situation is, just like my situation explained about above. I hope this never happens to another consumer or their family again.
Consumer complaint received 2022-12-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (AZ)

Gurstel law Firm P.C. Has filed a summons against me. They claim I owe {$690.00}. I have not heard of this Agency before. I have not received any letters from the original creditor in the last 2 years. XXXX XXXX. I have not received any letters from any Debt collector in regards to XXXXXXXX XXXX in the last 2 years. I don't feel I owe this amount. And I want to see the original Amount from the original creditoXXXX XXXX XXXX I feel that Gurstel law Firm is making up numbers to get more money from me.
Consumer complaint received 2020-12-17
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. (OK)

Sent letters asking to validate and remove false, non metro 2 compliant, misleading, also false information from account and it was never responded to remove.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint against XXXX, XXXX, and Equifax for furnishing inaccurate information on my credit reports in violation of 15 U.S.C. 1681s-2. 

XXXX, XXXX, and Equifax are reporting a charged off debt on my credit reports. However, a charge off is defined by the IRS as canceled debt which must be reported as ordinary income on my taxes using Form 1099-C if the canceled debt amount is {$600.00} or more.

Income does not get reported on consumer credit reports. By inaccurately reporting this charged off debt as a current debt rather than as income, XXXX, XXXX, and Equifax are knowingly furnishing incorrect information on my credit reports. This is prohibited under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

I have notified XXXX, XXXX, and Equifax that they are reporting inaccurate information by disputing this account with them. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), after being notified of inaccurate information, a furnisher may not continue to report that information if it is in fact inaccurate. However, XXXX, XXXX, and Equifax have failed to correct this inaccurate reporting. 

The reporting of this inaccurate information has severely damaged my credit scores, reputation, and ability to obtain credit. XXXX, XXXX, and Equifax have an obligation under the FCRA to report accurate information, and they have failed in this duty. 

I demand that XXXX, XXXX, and Equifax immediately delete this inaccurate charge off from my credit reports. They have 10 calendar days to remove this erroneous account.

The continued inaccurate reporting of this account is a clear violation of XXXX, XXXX, and Equifax 's responsibilities as furnishers of information under 15 U.S.C. 1681s-2.

Their negligence in failing to correct this inaccurate reporting after being notified has caused me and my family significant harm. This complaint serves as a final opportunity for them to cure their noncompliance and delete the inaccurate information. 

I swear under penalty of perjury that the information provided in this complaint is true and accurate to the best of my knowledge.
Consumer complaint received 2022-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

In XX/XX/2019 the previous mortgage lender transferred the mortgage to NewRez to be serviced by Shellpoint. Initially, the first electronic payment was rejected. I called Shellpoint and spoke with someone, they apologized for their error and suggested I resubmit. I did so, first with a test amount, then with the payment amount, and neither were rejected. Unfortunately, the account number on the service for the electronic payment had an incorrect digit in the number. At no time did that come up in the phone conversation or the corresponding email conversation. I continued to make payments and they were not returned. The taxes and insurance were being paid by the mortgage company. Several months later I started receiving mail that I was behind and in danger of foreclosure, but may payments continued to be accepted. I realized the error in the account number and let them know. They didn't fix anything and transferred the mortgage to another company. I have since gotten confirmation from the credit union regarding the payments and sent the information to both Shellpoint and XXXX XXXX. Nothing has been fixed and the only correspondence I have had with XXXX is some letters that say they received my correspondence and a monthly statement requesting $ XXXX that increases by {$1000.00} every month.