davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-02
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. (IN)

My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 
XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2019-02-13
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: LEXISNEXIS (LA)

On or about the XX/XX/XXXX 2019 I sent in a letter asking XXXX for validation of a few inquiries on my report. I received an email on XXXX XXXX 2019 I received an email from XXXX stating they received my letter and issued me a dispute # of XXXX. On XX/XX/ 2019 I received a email stating my dispute was complete. Upon review of my credit report I found the results of their investigation had nothing to do with the inquiries in the letter they received on the XX/XX/XXXX 2019. I called to explain this to them but was given several vague security question. Unfortunately i was unable to get help from the representative. 

I also noticed that the investigation they conducted was a bankruptcy in which they obtained according to them validated information threw a third party. The third party in which they validated the information with has an active suppression on my file dated XX/XX/XXXX 2019. this means that they were able to obtain information without my consent in writing and while my file was suppressed with the company verifying it.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (FL)

Ally Bank previously ran a promotional offer for a 1 % cash bonus if you funded new money into an Ally Bank savings account and kept it for a certain length of time. As an existing customer, I decided to take advantage of the offer, and I signed up for the promo and transferred $ XXXX in new money on XX/XX/XXXX. After reading the rules, I noticed the maximum I could get was a {$500.00} bonus on a $ XXXX deposit, so I withdrew $ XXXX from the account. According to the rules on the website ( https : //www.ally.com/content/dam/pdf/corporate/offercode/getpaid.pdf? XXXX ) as long as the " Net New Deposits '' were kept in the account till XXXX ( which they were ) I should receive {$500.00}. In fact, I made no other deposits or withdrawals with that savings account for 4 months so there would be no confusion. On XX/XX/XXXX I received a promo deposit of {$270.00}. This is not the correct amount and I'm not sure how they calculated it. I contacted Ally via phone shortly after to explain the error, but the rep didn't understand the rules and told me because I withdrew $ XXXX it reduced my bonus. Even if that were correct how did they calculate {$270.00}? I told her the promo website clearly states " Net New Deposits '', and my net new was $ XXXX but she dismissed my claim. I sent 4 additional messages to Ally via the website hoping to find someone that understood the rules and asked when I would receive the remaining balance due of {$230.00}. To date, the Ally Bank reps haven't fixed the error.
Consumer complaint received 2019-04-02
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. (MO)

I have disputed the following accounts before, all to no prevail. The credit reporting agencies either put a remark on unauthorized accounts and/ or response stated " account verified ". Verified by whom?, and how, when and what certified documentation used to equate to your remarks and findings. I'm demanding the Method of Verification used in the process of this dispute, if this can not be provided then as stated within the literature of the FCRA these shall shall be blocked immediately. The disputed accounts are, ( 1 ) XXXX XXXX   {$0.00}, ( 2 ) XXXX XXXX XXXX {$0.00}, ( 3 ) XXXX XXXX XXXX XXXX   {$2600.00}, ( 4 ) XXXX XXXX XXXX {$0.00}, ( 5 ) XXXX XXXX XXXX {$0.00}, ( 6 ) XXXX XXXX/ XXXX, ( 7 ) Bankruptcy XXXX, {$0.00} Identity has been compromised please remove
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I am writing to file a formal complaint against Equifax, a consumer reporting agency, regarding their failure to conduct a proper investigation into inaccuracies on my credit report, as per my rights outlined in the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024 I submitted a dispute to Equifax regarding specific accounts on my credit report that contained multiple errors. Despite my explicit documentation of these inaccuracies, Equifax responded by affirming the validity of the disputed accounts, indicating that they had been " verified. '' However, the evidence provided in Exhibit A clearly demonstrates the presence of errors, making Equifax 's verification process highly questionable. 

Accts # XXXX # XXXX Furthermore, upon reviewing a subsequent credit report, attached as Exhibit B, I discovered that the inaccuracies persist despite the supposed verification of the disputed accounts. Despite my efforts to rectify these errors and request a reinvestigation, Equifax has failed to address the ongoing discrepancies, thereby violating my consumer rights guaranteed under 15 USC 1681i of the FCRA.

As a consumer, I expect and demand that Equifax upholds its obligation to ensure the accuracy and integrity of my credit file. The negligent handling of my dispute not only undermines my financial well-being but also erodes my confidence in Equifax 's ability to safeguard consumer data.

Therefore, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate action to hold Equifax accountable for its failure to comply with federal regulations. I also urge the CFPB to ensure that Equifax implements corrective measures to prevent similar instances of negligence in the future, thereby safeguarding the interests of consumers nationwide.
Consumer complaint received 2023-03-22
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

I am guaranteed tuition by the v.a but was instructed to take out loans because the va pays after the drop date. I now am stuck with over 100k in loans despite both schools knowing that my tuition was guaranteed and still being instructed by admin to take out loans so I would not be dropped from the roster. now I am unable to get the servicers to put me on an income based repayment plan ; they keep putting me in forbearance despite my repeated request for an income based plan. I am XXXX XXXX XXXX on veterans XXXX. I am a XXXX XXXX XXXX XXXX and unable to understand how this predatory practice was able to go unnoticed by either institution. I am not able to move my family forward due to the overwhelming total that is my student loan.
Consumer complaint received 2019-09-24
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. (NY)

Equifax is reporting a XXXX XXXX account # XXXX that is not mine. I have contacted XXXX XXXX and they have provided me a letter of relief from any responsibility. XXXX XXXX has also stated that they have sent multiple notifications to Equifax. I have filed multiple disputes with Equifax and they have failed to investigate properly and continue to report this account. Equifax is Illegally reporting this information.
Consumer complaint received 2019-09-24
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: SYNCHRONY FINANCIAL (CA)

Dispute filed in XX/XX/2019. 

Synchrony Bank Mastercard gave a temporary credit while they investigated. In the meanwhile, I returned the item. It was verified returned on XX/XX/19 by XXXX ( XXXX XXXX ) at XXXX x XXXX. He was unable to refund because Synchrony Bank Mastercard still had a dispute noted. He said he'd do a 3-way call but couldn't because the Synchrony Bank Mastercard dispute line was full and continues to be full even when their own supervisors have tried to help me connect. You can't get through. 

The dispute number to call imessage is mailbox full! Called 2 Synchrony Bank customer service supervisors on XX/XX/19 and XX/XX/19 ) and they were also unable to access the dispute center at XXXX. 

This charge is {$190.00} for XXXX XXXX XXXX
Consumer complaint received 2024-03-07
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)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 XXXX XXXX XXXX
Consumer complaint received 2019-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

I happened to notice a collection on my credit report by CREDIT SYSTEMS. 
I then wrote the company a validation letter and sent it on XX/XX/2019 by certified mail with return receipt. 
It was recieved on XX/XX/2019. 
I have not yet received a response from this company verifying this collection of debt.
Consumer complaint received 2019-09-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

We have had a VA Loan through PennyMac since XXXX. In XX/XX/XXXX, I received notice that our monthly payment increased from {$1300.00} to {$2300.00} due to an increase in property taxes and homeowners insurance. I called and they suggested submitting for a Mortgage Assistance program that would reduce the payment and bring the loan up to date. I submitted the application on line including the documents requested in late XXXX and was told to continue to pay the {$1300.00} until the Mortgage Assistance is approved or denied. I then called my insurance and changed the homeowner 's insurance which brought the payment down to a little over {$1800.00}. However, I did not hear anything about the Mortgage assistance, and then received a demand for payment for {$2200.00} as I was behind in payments. I called PennyMac about the situation. and was told the mortgage assistance had been denied and we needed to bring the account current as we were behind since XX/XX/XXXX. The denial was based on incomplete documents as they requested a XXXX and never received it. I had submitted in on line thru their web site. I was never notified of the denial. I brought the account current and was told the Mortgage assistance was not needed as the account is current. Further review of the latest bill indicated the amount in Escrow was over {$7000.00} and the monthly amount put in escrow is {$620.00} out of the payment. I called on this situation as the taxes and insurance totals around {$4000.00} per year. I was told that they had paid the taxes and insurance and they were being paid back for last year and this year. They gave me no further information. 
I am wondering why there is so much being taken out of each payment and being put in Escrow as they should have been taking the taxes and insurance out since the Loan was initiated. I have never received a delinquent notice from the County or the insurance company. I understand PennyMac can only take about XXXX to XXXX of what they paid out last year for Escrow purposes. This is obviously much more than that and more than what is owed. That is the purpose of this complaint, that they may be illegally be taking money from me.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion is reporting a XXXX XXXX account # XXXX that is not mine. I have contacted XXXX XXXX and they have provided me a letter of relief from any responsibility. XXXX XXXX has also stated that they have sent multiple notifications to TransUnion. I have filed multiple disputes with TransUnion and they have failed to investigate properly and continue to report this account. TransUnion is Illegally reporting this information.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove this immediately in my report : XXXX  XXXX
Consumer complaint received 2019-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (GA)

This letter is regarding account you claim I owe {$660.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2019-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AR)

I have been paying on my student loan debt since XXXX and have seen a XXXX loan turn into XXXX. 
Through raising XXXX children, 3 work layoffs, and XXXX XXXX I have managed to pay and keep in good standing with my debt. I asked for help managing my loans first when they were with Salley Mae then Navient. I have begged for help as my loan keeps increasing. I found out last year ( XXXX ) from Navient that I was not on a program for the public forgiveness. I was upset but they switched me to another program and said I was on the right program. After thinking I Spent 8 years working for a nonprofit I was getting close and then started over. Well now I have been told ( XX/XX/XXXX ) I am not on a forgiveness program again. So thinking I had a year down now they are telling me I have to consolidate and apply with another company.
Consumer complaint received 2019-09-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES (CA)

Good morning, I am disputing the 90 day past due noticed with Great Lakes the loan provider for my student loans. I am current with my loans and was going through the Income Driven Repayment Plan process due to a change in income and the amount of the payments had increased to approximately {$660.00}, between one year of IDR to this new year. I would like to have the 90 day past due amount corrected on XXXX, XXXX, and XXXX consumer reports. Great Lakes stated that they have sent the update to the three companies, although at this time I do not see any change. I am on the Income Driven Repayment payment option and my next payment is due in XXXX. 

I look forward to correcting the 90 day past due amount and moving forward with the adjustment on my credit report. Thank you very much for your time and assistance. This is truly important to me and my family as we build toward our future.
Consumer complaint received 2019-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I saw on my credit report with a collections from a CACH LLC Resurgent Cap in the amount of XXXX with this acct XXXX I asked them for proof because Ive never had a loan with them nor a MasterCard on XX/XX/2015. Ive exhausted all ways to rectify the situation including asking for proof and again never received anything. So it sits on my credit report
Consumer complaint received 2019-09-24
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. (MS)

Experian ran a credit check on me in connection with a loan and found one late payment on a XXXX XXXX XXXX account. I have never had a XXXX  XXXX XXXX account, but in respons to my challenge, Experian merely stated that XXXX XXXX XXXX confirmed that the account was mine. Experian provided no facts in support of their contention, provide no documents that would even suggest that I had an account with XXXX, and presumably, they did not because XXXX  XXXX XXXX gave them none. Instead, Experian mindlessly mouthed what XXXX had told them. I repeat : I have never had an account with XXXX. The Dispute Results Report # is XXXX. These Experian people are pathetically inept, and when talking with them, they will tell you anything to get rid of you and then do nothing.