davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (SC)

XX/XX/2017 I inquired with the Premier Student Loan Center about reconsolidating my student loans from my XXXX degree. The gentleman I spoke to told me that once my application is approved, I would have to pay a fee which would be divided into 4 payments to get my application started and that would go towards my loans. First problem, I never received a copy of my application to review, only emails from the company. After the payments and future payments were deducted from my account, I did not hear from this company unless they did not receive a balance. As months passed, I kept receiving statements from my " previous '' student loan provider. My balance continued to increased with no payments being added from Premier Student Loan. Also, I never received any receipts for any of my payments I made, and each time I would inquire about getting a receipt for my payments, they always have an excuse as to why I cant receive it. Many times I would call this company during their " business hours '' and I would not receive an answer and if someone told me they would call back, they don't honor their word. I would have to call the company back after days of waiting for their call. Each time I would speak to someone, I would always to be something different from the previous representative. My payment for this month has not been deducted from my account and I can't get an answer from the company to figure out what is going on with my account. I have tried to give this couple a chance. Now I realized that everything I have been told from this company is a lie. I am disappointed in this company and all the false promises they have made. I want to cancel my account with this company!! In addition, I want a full refund of all the money I have paid including all the interest that have accrued on my student loan account during my years with this company. If not, I will get a lawyer involved!
Consumer complaint received 2017-07-21
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. (MI)

EXPERIAN CREDIT REPORTING agency complaint of online and written correspondence disputing account inaccuracy ; they willNOT update or remove fraud accounts and Identity theft. FOR EX : XXXX XXXX is in dispute ( loan discharge ) due to identity theft, also, reported to FTC. Showing debt to income ratio error. All accounts are individualized and old accounts discharged by chapter XXXX and not reported correctly. Only have 2 open credit accounts at this time, but my report shows accounts not mine. Denial of credit due to fraud, account inaccuracy and identity theft. Online access denied report number EXPERIAN CREDIT XXXX XX/XX/2017.
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance. 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. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. 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. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2018-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Creditor is reporting accounts that are invalid and unverified. TransUnion have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-10-14
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. (OR)

This is concerning a disputes that I took with XXXX XXXX and Equifax concerning two credit cards, one from XXXX XXXX, which was a XXXX XXXX credit card and the other was with XXXX bank.
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (IN)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 sec 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This has all cause a drastic drop in my score and unwanted hardship Im a time of need I deserve better I earned it no matter what the reporting is showing
Consumer complaint received 2023-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

XXXX XXXX transferred my mortgage to Roundpoint in XXXX, 2023. This company keep harassing me and theatening to charge more money from day one. Basically, if you call them, they will tell you different story every time. If you email them ( XXXX ) they will tell you that they need very long time ( over 2 months ) to " investigate '' the issue. 

This company, RoundPoint Mortgage Servicing LLC, is currently willfully and deliberately misrepresenting facts, sending out fraudulent letters, misleading and harassing customers with their well-designed fraudulent business strategies. 

They sent me an email on XX/XX/XXXX, asking for HOA master insurance. I uploaded the document on the same day. A week later, I called a representative and she confirmed the document was ready. 

I received another email from this company on XX/XX/XXXX. I called a representative again, and the guy told me that he just submitted my document " for initial review '' and it will take " 3-5 business day '', it has been sitting in the system for a month and they were telling me they just " submitted '' the document to the company for review, what a joke. 

For the record I uploaded the insurance document again on Friday XX/XX/XXXX. I also emailed XXXX with insurance dcument attached on the same day. 

My property is located in the center of XXXX XXXX and this HOA has over 50 years history, the properties are properly insured. My HOA manager stated that for the past 15 years, he had never aware of any other mortgage servicer having such issues with insurance policies. 

My experience is not uncommon, another customers reported on yelp that he already uploaded insurance papers for at least 7 times. Some customers reported that they set up auto-pay and this company will charge addtional " late fee '' and they will claim they don't receive the monthly payment. It appears that Roundpoint Mortgage will add unlawful charges to your existing mortgage, and purchase new insurance without your consent no matter what you dom so that they will make profit from it. 

We all understand that Roundpoint Mortage are based from an undeveloped state or place. Maybe this business is about runnning out of money or something, because they look so desperate, but it does not give you the right to keep practicing your fraudulent and unlawful business strategies over and over again. 

XXXX XXXX XXXX reviews against this company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2022-10-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX 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 XXXXXXXX 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 XXXX
Consumer complaint received 2021-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

I was apart of the XXXX XXXX XXXX fraud. I'm reading alot about people getting there debts paid off because of this corrupted company. 
I went from around XXXX  XXXX I still owe XXXX. 
I got my bachelor 's XXXX XXXX XXXX, XXXX XXXX, MI Where do I go from here XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-22
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. (IL)

First dispute letter was sent on XX/XX/2021, the second was sent on XX/XX/2021, third letter sent XX/XX/2021, fourth letter sent XX/XX/2021, fifth letter sent XX/XX/2021, and final XX/XX/2021. There has not been any verifications or proper updates to the credit reports. 

The disputes and letters was sent to all three credit bureaus. XXXX  Consumer, XXXX, and Equifax. I have been disputing this for months and begging for removals and verifications. I have not received anything. I should not have any derogatory items reporting on my credit report. All items in collections should be removed as requested!
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Duncan Solutions, lnc. (VA)

During the pandemic, the XXXX XXXXXXXX XXXXXXXX XXXX were unmanned and an XXXX was required or exact change in quarters. As I rarely travel on toll roads, when I did, I would not have the exact change and so intended to pay the tolls online. The notices slipped through the cracks as I was still moving households and paperwork was scattered. I would like to pay all the tolls but object to the usurious fees and fines and now my account is in collections. Can you please help resolve?
Consumer complaint received 2023-02-10
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. (TX)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family, not being able to pass a background check for employment, funding my business and this has created great hardship for me and me family as mentioned. 

I attach my previous credit report and my new credit report to show how XXXX, XXXX has violated my rights. 

XXXX has refused
Consumer complaint received 2023-02-27
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: BARCLAYS BANK DELAWARE (TN)

I filed a dispute on my XXXX credit report against Barclays Bank reporting my XXXX XXXX account as past due for XXXX dollars. XXXX determined that Barclays incorrectly reported the past-due amount and changed the XX/XX/ XXXX payment status. This dispute was filed on XXXX/XXXX/XXXX ( The same month that Barclays stated that the amount is past due, how can XX/XX/XXXX payment be past due and it was reported past due in the same month ). Barclays is committing fraud and needs to be bared from this continued harassment because they disagree with their mistake.
Consumer complaint received 2021-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I XXXX, XXXX have no contract / agreement with Midland Credit management. They created this account with out my consent and this is identity theft. The Attached document clearly states the Original Creditor is XXXX XXXX XXXX XXXX and I didn't agree to a contract with them either. I formed an agreement with XXXX XXXX which was paid in full when I Indoresed the consumer Credit Contract which is an instrument pursuant 16 CFR 433.1. When I Indorsed the Instrument a purchase money loan was submitted and I the consumer should have received to handle this matter but I never did. Pursuant to 12 U.S.C. 24 Seventh clearly states banks can't hold Securities nor does it say anything about lending out credit anywhere In the whole code. Banks aren't allowed to lend credit and that has been ruled on many times by the Supreme Court. 

If Midland Credit Management can Produce a Valid contract between XXXX XXXX and Midland Credit Management stating I agreed to pay any alleged debt please prove your claim. If you can't prove your claim you don't have one. " When no guarantee is made, No guarantee is given. '' There is no obligation to fulfill any contract that an individual has been forced, coerced, threatened, or fraudulently made to enter/ take part in by any means. There must also be full disclosure of the obligations and effects within the contract unless the one receiving the benefit of the contract waives the right to full disclosure ( of their own free will ) Contract must have - Consideration - meeting of the minds- must not be of unsound mind - offer and acceptance
Consumer complaint received 2018-05-14
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. (FL)

1. A am a victim of Identity Theft and have filed a report with the FTC. 
2. My Name, SS #, and Date of Birth were stolen, and the thief was allowed to add a fraud XXXX email account, add another phone # and address to my XXXX  Credit Report, and were able to obtain a Credit Card in my name mailed to the address they added to my Credit Report. 
3. I called Experian today after checking my report to make sure corrections were made and I do have a 7 year free credit report alert monitoring - which I confirmed - I have a " Pin # '' which I would need to use if I needed to get information - or unfreeze - my credit report - Experian did not ask me for this information - which I thought was concerning - since this is supposed to protect me. 
4. I have opted out from receiving any direct mail from banking agencies etc. as well as other direct mail over a year ago. 
5. Although I am not receiving those, Companies are STILL ALLOWED TO MAKE " soft inquiries '' and get my CREDIT REPORT. 
6. Experian will NOT stop " soft inquiries '' without me sending more " personal '' information - including - Driver 's License, Bank or other type Date of Birth, etc. in writing - I do not feel I should have to mail them MORE personal information. 
7. I do not want anyone checking my credit report for any reason without my permission. 
8. I don't think any of the requests should be allowed or honored - this is an invasion to my privacy which has already been compromised. 
9. XXXX and XXXX indicated that existing creditors are allowed because of the CRA Credit Reporting Act can continuously look at my report - EVEN if I am never late and have a great credit score. 
10. Experian said I can OPTOUT of these inquirie in # 9 - by furnishing in writing the more intense " personal data ''. 
11. SO THERE IS CONFLICTING INFORMATION GIVEN TO ME - IF THE CRA IS ALLOWING THIS - IT SHOULD BE STOPPED - AT LEAST FOR THOSE OF US THAT CONTINUE TO HAVE GOOD CREDIT.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIRSTBANK PUERTO RICO (FL)

Dates : approx ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Names : First Bank Puerto Rico, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Phone numbers : XXXX, XXXX, XXXX Account Type : XXXX XXXX ( Trust Accounts ) Complaint : There has been a long period of time taken by the bank to set up and secure the Trust account of XXXX XXXX XXXX, grant access, obtain account information and obtain account type fees and benefits. It is taking too much time to transition the account and obtain documents requested. The process has been rife with inaccuracies. I have had to file a tax extension with the IRS and will not be able to file the account taxes in a timely manner. The time it took following up to get this resolved was a drain on my time and resources. Much of the time I was unable to reach the necessary parties for extended periods of time. Many inquiries and contact request to a long time to receive a response. To date I still do not have access to my account. 

What happened is the previous trustee resigned and I, the new trustee and beneficiary, took responsibility of managing the trust. 

The company that this complaint is about is First Bank Puerto Rico and XXXX XXXX XXXX XXXX routing number, FDIC Cert # XXXX. 

The people involved are FirstBank of Puerto Rico, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX