davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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. (TX)

I have sent in prior disputes with XXXX, Experian, and XXXX. They have not responded. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. XXXX, Experian, and XXXX have no reason to assume the previous requests were not from me considering all the information required to validate and initiate a request was included. I expect them to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after today as outlined in the FCRA section 611 ( 3 ) ( A ).
Consumer complaint received 2019-09-23
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have been fighting with the credit bureaus for some time now and i'm getting very frustrated.
Consumer complaint received 2019-09-23
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have been fighting with the credit bureaus for some time now and i'm getting very frustrated.
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (GA)

I have submitted prior documents supporting the fact that I DO NOT OWE FRANKLIN COLLECTION SERVICES any amount of money and this account was previously deleted from my credit files, yet, Franklin Collection Services has once again put this fraudulent account on my XXXX credit file. FRANKLIN COLLECTION SERVICES acct # XXXX claims that owe them XXXX, I have never done business with them or XXXX XXXX who they claim to be collection on behalf of ... ..I am demanding a contract with my wet ink signature to support that I owe them anything ... ... FRANKLIN COLLECTION SERVICES located at XXXX XXXX XXXX XXXX , XXXX, Ms. XXXX must provide all the required information on the said account to me within 15 business days or this account must be deleted immediately and furnish the updated information to XXXX effective immediately.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

American Express # XXXX is reporting lates in XX/XX/19 and XX/XX/19. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it after the two months, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TN)

I have written this company several time as to how they verified that I owe them with out any response. 1. Original contract with my signature. 2. Proof I have a legal contract with the company. 3.How did you verify the information you have 4. This debt is not mine. ABILITY RECOVERY SERVICES. XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

Friday, XX/XX/2019 I contacted XXXX and they said the account is too old to for them to collect on the account, make a settlement, or pursue legally and therefore, they unable to take do anything with the account. They said If I make a voluntary payment by mail which will renew the account making it possible for them to pursue collection through the courts. 2nd call Friday XX/XX/2019 XXXX said the principle balance is {$460.00} ( total balance is {$770.00} ) and therefore not eligible for a XXXX form. They would not let allow me to settle the account. They said the account is past the statute of limitations. Monday XXXX XXXX The operator said that they do not know if a XXXX will be sent to me and that even if it is the charge will not be removed from my credit. I demanded the for or removal and the operator said they do not do removals and if any payment are made it would be voluntary on my part. This would then make the account active and allow them to take me to court. I asked for a supervisor and one was not available.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2022-03-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (WA)

Navient sold my loan to Aidvantage. They never gave me an option to negotiate. Aidvantage then immediately capitalized ALL interest. I had never been made aware of this EVER and I asked many many many times if deferred interest would be added to the principal and Navient/Aidvantage always, ALWAYS said no. 

I was never told how this would happen. Now, they added interest to my loans as capitalized principal totalling over 45 % of my loan. I offered to make ump sum payments and they simple send the same message over and over - no. I will take this up with other regulatory bodies including State AG and other private pursuits. 

I tweeted this to XXXX head XXXX. Aidvantage said in a recent interview they serviced all CFPB and XXXX complaints. They haven't. This is a lie and I will no longer be taken aidvantage of by predatory loan issuers. The fines against Aidvantage say it all. 

XXXXCFPB NEEDS TO TRULY HELP AND FOLLOWUP ON THIS BECAUSE THIS TYPE OF PREDATORY NEGATIVE AMORTIZIATION AND DEFERRED INTEREST CAPITALIZATION SHOULD BE ILLEGAL
Consumer complaint received 2019-09-23
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. (UT)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-03-17
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. (MD)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 XXXX XXXX XXXX
Consumer complaint received 2019-09-23
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)

Experian is reporting incorrectly a collection of {$670.00} on XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is a {$0.00} balance due. Therefore, there is nothing to collect and nothing to report as a collection. XXXX has removed this line item from my credit report. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2023-03-17
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. (UT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT No. XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXXXX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-23
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

Onemain and One main financial changed. When they changed, they reported twice to XXXX. 
One main financial eventually deleted from my report, however, Onemain reaged my account that now shows 1st delinquency in XX/XX/XXXX. The first delinquency was XX/XX/XXXX and no more payment were ever made. It is now over seven yrs since I quit paying, yet Onemain refuses to accommodate. 
I have attached a copy of my report from both companies showing that one main changed my acct number and reaged the debt. 
I have made numerous attempts to get one main to delete the account with no success, including filing 2 disputes directly with XXXX, contact by mail, and fax.
Consumer complaint received 2019-09-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (CT)

I had two unauthorized transactions a few months ago, as a result my Keybank checking account went in the negative by - {$26.00}. This negative balance was a result of overdraft fees associated with the unauthorized transactions. I called several times in 3 months to get the overdraft fees waived and they did nothing. I received a provisional credit for the unauthorized charges and won the dispute. The account stayed in the negative because they didn't reverse the overdraft charges as a result my account  was closed on early XX/XX/2019 as a charge off. The company keeps on sending me to collections and say the account is charged off. I'm asking for a reversal of the overdraft fees and about a {$10.00} refund to me. I'm worried about them reporting me to XXXX  when in fact they owe me money. Thank you!
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (MS)

Today, I received a notification that a new collection account has been placed on my XXXX  credit report. However, I never received an initial contact from the company, as required by 15 U.S.C. 809 ( a ).

In fact, this collection is one that I have previously disputed when it came from other companies ( XXXX for example ) and it has always been removed, as verification does not occur. The statements I receive do not match up with the claimed amount, either being under or over. The amount is constantly changing, and now is {$220.00} in this case.
Consumer complaint received 2019-09-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I am trying to get a modification with Mr. Cooper and day to day the requirements change. In XXXX of 2019 Mr. Cooper offered a modification that was only {$200.00} less that the original mortgage payment amount. DUE to an error/miscalculation on THEIR part I declined it and resubmitted a second modification packet per THEIR policy. And I am now having the hardest time. EX : the very same XXXX transcript request that I submitted in XXXX to receive the approval ; I was contacted today XX/XX/2019 and told that it was an outdated form and will not be accepted. I literally took the same form and changed the date. THAT'S ALL I DID! And now it can not be used. Also they told me I can not put my loan number on top of the document. Remember, I used the same form that I used previously and the modification was approved. I believe that MR. Cooper 's claims/requests are fudiciary attempts to push my account further into foreclosure process.
Consumer complaint received 2019-09-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America took more than 30 days to send me documents to validate a debt. Now that I received the documents, they are not even for the account they are trying to collect. They also sent me information and bank accounts of other people by mistake.
Consumer complaint received 2019-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (OH)

I have set up payment arrangements twice via phone. Neither time has it been corrected on my account. 

XXXX I got on chat and was told in order to make payment arrangements, I'd have to call so I called. I asked if my current amount due could be put on the end of the loan, as I'd done once before, and payments resume in XXXX. I was told yes - and to call back at the beginning of XXXX to confirm I'd be making XXXX 's payment. I asked for email confirmation and never received it. 

XXXX XXXX XXXX XXXX ET I spoke with XXXX and the agreement she made with me is as follows : {$260.00} by XXXX of XXXX will bring me current with balance of {$28.00} and {$290.00} due XX/XX/XXXX will bring me up to date with remaining past due balance transferring to the end of loan. I paid the {$260.00} on XX/XX/XXXX and still none of the confirmations I requested, nor the correction of my account. 

XXXX MESSAGE I SENT TO SANTANDER - " I called in XXXX and again in XXXX and spoke with representatives that ASSURRED me that my request to put the next two payments on the end of my loan so I could get caught up due to divorce was approved. So far that has not happened. I've paid what I can but it still shows past due. Now I will be able to resume payment in XXXX but I need the {$720.00} balance to NOT be overdue and put on end. DON'T TELL ME TO CALL BECAUSE I KEEP DOING THAT. I WANT THE AGREEMENT IN WRITING! '' Today, XX/XX/2019, I check and now the past due amount is {$1000.00}. 
I contacted them via chat because I am getting nothing in writing ONLY verbal and when it doesn't get done, my account is being affected - AND AGAIN THEY SAY CALL but all my efforts are going unattended.
Consumer complaint received 2023-01-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (RI)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/23. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/23. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT 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 XXXX XXXX XXXX
Consumer complaint received 2019-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (MS)

I was part of the XXXX XXXX scam. They slammed my account for a total of {$610.00}. They bank investigated and I was refunded {$100.00}. I have been with Regions for a considerable amount of time and have never has this to happen to me. I provided a lot of information and even contacted them by phone on the same day that it happened. The person on the line, reassured me that everything was going to be okay. No, it was the start of my nightmare. I provided them all of the information that I could. My XXXX son banks with XXXX XXXX XXXX XXXX and was refunded the money bank into his account. I even gave them all of this information but I am still to see the remainder of my money back. This money was set aside for a vacation at the end of the school year for my XXXX XXXX XXXX. That fell through. I am afraid to place any type of money in their now. They could look at my transaction history and this was out of the usual for me.