davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IN)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

Forbearance months should count towards the XXXX waiver! I was on XXXX for years with a XXXX monthly payment that shows up as you do not have a bill for this payment period. I was told these would count towards my XXXX payments for forgiveness but now they are saying it wont. Myself and thousands of others are going through this many who were asp put into forced Forbearance due to being schools but still were making payments that now wont have those payments counted. This is ridiculous! The amount of hardships these loans have on the lives of Americans is atrocious! These are the reasons many people are so hesitant about furthering their education because you spend the rest of your life paying back loans and to be two times and taking advantage of my the department to education is completely unfair! Please fix this!! Forbearance should count!
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

In short, I attempted and electronic deposit using a banking app. The funds were placed in my account the day the deposit was made. Nearly 70 days later, the funds were taken/reversed from by account. Neither banks ( USAA FSB nor XXXX XXXX, XXXX ) has an explanation of where the funds are or how I can get my money back. 
On XX/XX/2019, I submitted an electronic deposit with USAA FSB in the amount of {$3200.00}. The deposit was made using the USAA banking app. The check was written by XXXX XXXX XXXX XXXX XXXX for medical claims. The account the check was drawn on was a XXXX XXXX, XXXX account. On XX/XX/2019, I notice that USAA had reversed the transaction and {$3200.00} was removed from my checking account. Below is a summary of the action taken after I noticed the reversed transaction : 1. XX/XX/XXXX & XXXX I notified USAA of the reversed deposit. I was told that it was part of a duplicate deposit. I was requested to contact XXXX XXXX and have them provide a copy of the cancelled check and USAA would do the research into the transaction. 
2. On XX/XX/XXXX, I received copies on the cancelled check from both XXXX and XXXX XXXX. This copy was emailed to USAA. I was informed that it may take several weeks to resolve. 
3. On XX/XX/2019, I was informed by USAA that this check was shown by XXXX XXXX as a duplicate transaction and that USAA was correct in reversing the deposit. Additionally, I was told this that this could only be resolved by XXXX XXXX. 
4. On XX/XX/2019, I contacted XXXX, again, to research the transaction and to contact XXXX XXXX. 
5. On XX/XX/2019, I received verbal confirmation from XXXX that the check was processed by XXXX XXXX on XX/XX/2019, as shown on the cancelled check. This payment had not been cancelled or reversed by XXXX XXXX and their account reflected the processed check. 
Please note, I did not attempt to cash or deposit this check at any other financial institutions. I have the original check and supporting documentation I received from XXXX and XXXX XXXX. I need assistance in resolving this issue. 
Thank you.
Consumer complaint received 2024-04-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (MA)

In the Fall of XXXX, I applied online for the SAVE plan. I was shown that I qualified for the payment plan and that my payment would be around {$110.00}. 

I then recieved a bill for {$310.00} on XX/XX/XXXX. 

I called Aidvantage, my servicer, on XX/XX/XXXX to find out why the payment was so high. I spoke XXXX XXXX ID XXXX. I told them I that I applied for the SAVE program and instead I now have a {$310.00} payment. The agent said I was put on the pay as you earn plan, not the SAVE plan. She then rechecked my info, said I do qualify for the SAVE plan and she resubmitted my information for the SAVE plan and said it would be all set.

I told her I already applied for the SAVE and asked if this mistake could happen again, and she assured me that I would be put in the SAVE plan correctly this time. 

I then received another bill for XXXX on XX/XX/XXXX. I called immediately and spoke with XXXX ID XXXX. I was told the same thing happened again and that I was put on the IDR plan instead of the SAVE plan. She opened an investigation and submitted a case. She also put a pause on my payments while they figured out what was going on. 

I asked her if I would hear from someone after the investigation was completed and she said yes. 

I received zero communication, no emails, letters or calls about the investigation. Instead I received a bill on XX/XX/XXXX for {$610.00}. 

I called AGAIN. I spoke with a third agent, who would not provide their Agent ID - but provided their name, which I will exclude here for privacy, but I can provide it upon request. She said my account was delinquent. I said how can it be deliquent when the previous agent told me that she was pausing my payments while they figured out why my account wasn't being put into the correct payment plan? 

This agent told me she could see the investigation report submitted on XX/XX/XXXX and that it was supposed to be escalated. She could see " action '' was taken, but couldn't see any other information on what that action was or any communications about it to me. 

She put me on hold and came back and told me that I needed to submit an application online to be changed into the SAVE plan. I told her that I already had done that. I said I can keep doing that but it doesn't seem to be making a difference. 

She then resubmitted the case and I said I would be submitted a complaint to the CFPB. 

This has now been going on for 6 months. Aidvantage has proven to be absolutely incapable of fair treatment to me as a borrower. There has been a complete lack of communication for 6 months, and they have left me unable to both afford and actually pay my student loan bills, and unable to take advantage of the SAVE payment plan created by the Biden administration. Aidvantage has done nothing right, but keeps sending me bills for an amount I can't afford - and keeps telling me I qualify for the lower payment, but can't set it up properly and can't communicate with me about it.
Consumer complaint received 2022-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IN)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-03-18
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)

I, XXXX XXXX XXXX, consumer, original creditor, in fact did not consent to, authorize nor benefit from any of the following inquiries, accounts, and late payment. There was no consent nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft from this fraudulent activity. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.
Consumer complaint received 2022-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (CO)

NFCU continues to notify me on every login about prior debt which was discharged in bankruptcy ( had to declare XXXX  XXXX in 2004 due to medical bills when I was between jobs and insurance had not yet started at new job ). While it states that the notice is not an attempt to collect, the notification is just that, an attempt to bully me into repayment or be limited checking and savings only. The use this harassment tactic to target individuals who caused them a loss and refuse any future consumer credit services. All other financial institutions have cleared the debt and have worked with me on new consumer credit whenever requested. NFCU chooses to harass and berate those of us who had prior financial hardships rather than work with us. They choose to discriminate against the disadvantaged. These tactics skirt the edge of the law and absolutely break the intent of bankruptcy law. I would like to see NFCU end these aggressive tactics to discriminate against their members.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7000.00} XXXX XXXXXX/XX/2022
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX, and XX/XX/XXXX, my personal credit score dropped XXXX points on Experian 's website. The score reported on XX/XX/XXXX caused my Fico8 score to drop from Exceptional to Very Good. On XXXX, XXXX my score dropped from XXXX to XXXX and on XX/XX/XXXX. XXXX my score dropped from XXXX to XXXX. The later drop was based on a reported XXXX XXXX card balance of XXXX US Dollars, This was THE ONLY balance on all of my credit period. I made inquiries to Experian as my information has been breach by them in the past. After numerous attempts and transfers through Experian 's not consumer friendly phone tree, I was able to speak to representatives. The CSR 's blamed me for not having a loan or mortgage reported or suggested I hire a licensed credit counsellor. They claimed this drop was ultimately my fault. XXXX and XXXX did NOT reflect any drops in my scoring at this time. Experian makes it extremely difficult to resolve a problem in an expedited fashion.
Consumer complaint received 2019-07-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (OK)

I XXXX XXXX missed a call on XX/XX/2019 upon returning the call i was told by XXXX XXXX that if I did not settle my debt out of court or get a criminal defense attorney to contact them I would go to jail for check fraud. They seemed to have a great deal of information about me, so I agreed to out of court settlement. But the more I thought about it the less sense it made.
Consumer complaint received 2024-02-14
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. (PR)

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 2022-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX/ {$730.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (CA)

XXXXXXXX XXXX XXXXXXXX is on my credit inquiries XXXX times for XX/XX/2021 I have never applied for this company and why would they have XXXX inquiries at the same time
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I sent notarized and certified mail disputing inaccurate information on my credit files to all three Credit Bureaus Equifax, XXXX and XXXX. It has been well over 30 days.I feel like I'm being taking advantage of, ignored, neglected and refusing to reply to my dispute after making several attempts.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I am writing to you to report on the negative accounts that are wrongly placed under my name. These accounts are unverified and are looking suspicious. I have tried informing the bureaus about them but they did not act on my letter of complaints.
Consumer complaint received 2022-04-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

Yes, I was going into fortclosure in XXXX. The mortgage company was giving me a second chance threw loss midagation. The company they put me with is XXXX XXXX XXXX XXXXI spoke with XXXX XXXX at first then I was on a personal level with XXXX XXXXI was to make XXXX payments of {$950.00} at first as well as sending multiple paper work. This was the beging of the covic. XXXX XXXX sent me a email saying that the mortgage company was going to get back with me to let me know when I was going to start my regular payments of {$600.00}. It had been months I never heard from anyone no phone call, no emails, as well as no mail .I called XXXX XXXX and she stated that they had sold my house .I didn't understand why the mortgage company did that when I was going threw the people freedom solutions company as well as me paying {$2800.00} where did that money go and I'm so confused about that hole situation.I have been here in my house for 6 years 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 XXXX XXXX XXXX XXXX I help the homeless people with any information they need or make copies of paper work they need food or clothing, help setting up a bank account, what ever there needs are this is also a non profit organization. I recently got a paper on my fence it was from the XXXX XXXX saying they demand possession of property. I did give the courts a answer but my paper work said motions to appear by telephone. So I called the courts that morning and they gave me a phone number as well as a extension I was on hold for, XXXX minutes. I called the courts back and they said I didn't show up so they gave them my property.I am doing an appeal And taking this to district court .I also received a paper that was a writ to leave my house so I m appealing that as well .I 'm also going to file an appeal for the sale date of my house due to the mortgage company saling my house from under me with out me having any knowledge.This had been so upsetting, stressful and I'm having a real hard time mentally to handle all of this I hope you folks can help me out with this situation.I have up grated my house I added a swimming pool as well as a hot tub XXXX trees, black molch it's looking beautiful.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to Experian for inaccurate information reporting on my credit report. I listed the account and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of the letter sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.