davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

On XX/XX/XXXX, I called regarding myXX/XX/XXXX loan payment because my loan forgiveness eligibility was approved. I inquired about another income based payment that would keep me eligible for the Public Loan Forgiveness Program ( PLFP ), but would allow me to make lower monthly payments. I was told about another income based program that would lower my monthly payment. Once I verified that I would still be eligible under the same loan forgiveness program, I requested to switch. I was told once I was deemed eligible, I would have to make a {$5.00} payment on the exact date, so that month would go towards my 120 month payment requirement. Today, the took the payment ( over {$850.00} ) out of my account under the plan I am trying to change. I called and I was told the {$5.00} fee applies to next month ( XX/XX/XXXX ) not this month. I explained that is not what I was told. They offered to refund the money ; however, it would look like I didnt make a payment towards my 120 month payment requirement. I dont understand why I would be eligible for one income based program and not the other. Additionally, I am being penalized for their mistake and their inability to process my request in a timely manner. I am also writing this complaint just in case at a later date they tell me I am ineligible for the PLFP because I switched payment plans. I made sure I asked about it several times. Unfortunately, I can not trust XXXX XXXX.
Consumer complaint received 2022-08-17
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. (CA)

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies delete the disputed inquiries completely from my Credit report and stop their erroneous reporting. I previously sent a letter addressed to the Credit Bureaus with the same message, requesting the removal of the unauthorized inquiries. I also previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX. XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 XXXX. XXXX XXXX XX/XX/2022
Consumer complaint received 2019-04-12
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. (FL)

The receptionist at said facility assured me that they were in my insurance network and that there would be no copay during my visit but 6 months later I recieved a bill for {$210.00} my lawyers have sent all supporting documents to the medical facility and they agreed the debit was settled. Please remove this from my credit report it is affecting my ability to get a job and other financial products.
Consumer complaint received 2020-09-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

In XXXX, XXXX, Shellpoint Mortgage Company ( Shellpoint ) via its third party vendor completed an erroneous escrow analysis charging me for 11 additional properties that I do not own. I own one property but my escrow was charged for 12 instead of one. I put Shellpoint Mortgage on notice of the problem in XXXX, XXXX. I was told that they were working to correct it last XXXX, XXXX but it has not been corrected as of date. I have spoken to over 20 people in the past year about correcting the problem to no avial. I have suffered extreme emitonal distress and frustration due to this ongoing error. I was told tht my account can not be corrected until Shellpoint receives its money back that it paid from the 11 parcels from XXXX County. I verified with XXXX County Treasurer 's Office who stated XXXX County does not have those properties connected to my account. I should not be penalized because Shellpoint paid on accounts that have NOTHING to do with my account. 

Also, In XXXX, XXXX, I received an erroneous tax statement based on the erroneous escrow analysis. Shellpoint knew that the escrow was erroneous yet sent an erroneous tax statement to me after being put on notice. I was not able to move forward with filling my taxes until I filed a compliant with Shellpoint Mortgage and a representative from the Escrow Department phoned me to verbally give me the correct numbers to allow me to file taxes. I never received a corrected tax statement from Shellpoint Mortgage. 

On last Friday, I received a negative credit report on my credit due to a delinquency on the mortgage payment. However, I have paid mortgage each month. I was told to pay {$960.00} until the escrow is corrected. I have consistently done so. However, the computer is showing me owing {$1.00}, XXXX. I was told not to pay {$1.00}, XXXX but {$960.00} until the matter is corrected. Yet, I am being reported delinquent. I do not want to go into default because of Shellpoint 's failure to correct its mistake via its third party vendor. 

In closing, it has been close to a year and my escrow is still not corrected. My credit is being negatively impacted by this. I am writing for your help to facilitate the correction of my escrow analysis so that my monthly mortgage payment can be correctly reflected. I thank you in advance for helping me resolve this issue to correct my escrow analysis.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (LA)

IN XXXX AND XXXX OF 2023 I CONTACTED XXXX XXXX  ABOUT INACCURATE CREDIT REPORTING. THEY HAVE FAILED TO REPORT THE ORIGINAL CREDITOR OR ACCOUNT NUMBER MAKING IT IMPOSSIBLE FOR ME TO VALIDATE THE DEBT AFTER THEY HAVE CHOSEN TO IGNORE MY REQUEST. THEY ARE REPORTING OUTSIDE OF COMPLIANCE AND HAVE EVEN LEFT SOME INFORMATION BLANK FILLED THAT SHOULD BE REPORTING COMPLETELY AND ACCURATELY. PLEASE HELP ME. ALL PARTIES HAVE FAILED TO PROTECT ME AND I READ YOUR ARTICLE WHERE YOU ARE READY TO HELP ALL CONSUMERS BEING TAKEN ADVANTAGE OF BY DEBT COLLECTORS.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Experian has the following incorrect addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  has the following incorrect address : XXXX XXXX   XXXX XXXX XXXX, VA XXXX Transunion has the following incorrect addresses and names : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX I have asked Experian, XXXX  and XXXX  numerous times to update my correct information because I do not reside at these addresses and these names do not belong to me. My requests continously are ignored. I want this incorrect inormation deleted immediately.
Consumer complaint received 2019-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX {$120.00} Never received a call from them or a notice in the mail of the debt. Never gave me a chance to dispute or discuss a solution to the debt. It just ended up on my credit reports three times with different dates at the same amount of {$120.00} of what I owe.
Consumer complaint received 2023-05-08
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. (TN)

Complaint number XXXX which was filed on XXXX with company is in direct violation of 15 u.s.c 1681i ( a ) ( 1 ) ( A ) which states that the governing law provides a response time of 30 days but under certain circumstances may be extended to 45 days. The company has not complied with this federal law.
Consumer complaint received 2019-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC (GA)

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 ( On behalf of XXXX  XXXX XXXX XXXX  , XXXX XXXX XXXX  Acct # : XXXX ) To Whom It May Concern : This letter is in regard to reference number : NCB File # : XXXX account number : XXXX, which you claim I owe {$5200.00} to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. This is a formal letter that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or 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 and 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 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. 

I contacted this company by certified mail on XX/XX/2019 and I have not received any credible response showing my signature on any documents showing where I owe this debt. This company has filed a collection report with all three credit bureaus without validating my signature. Please force this company to validate my signature that I owe this debt. If they don't respond in 30 days, please make them remove all collection notices with all three credit bureaus.
Consumer complaint received 2020-09-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, incomplete, and unverifiable information. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-08-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Have made several attempts to the 3 credit reporting agencies along with XXXX XXXX XXXX to notify them that I have been a victim of identity theft by my ex-husband. They continue to claim that the information has been verified. How can it be verified if I have enclosed my Identity Theft Report. and my consumer report is still not accurate. For that reason I have been unable to refinance on my home per the Final Judgement of the Dissolution of Marriage deadline. I will also enclose of copy of the judgement as additional proof that my ex-husband has agreed to pay that account. Their blatant disregard to my request has caused me to have been denied of financing. I am now demanding that the XXXX account XXXX be deleted IMMEDIATELY or I will have no choice but pursue litigation for the damages that has occurred to my livelihood. 

I am also requesting that all inquires be removed from my report IMMEDIATELY for I didn't provide written consent.
Consumer complaint received 2023-10-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: TRUIST FINANCIAL CORPORATION (FL)

I had a HELOC agreement with Truist dated XX/XX/XXXX ( which will be attached ). On XXXX, XXXX we entered a new agreement and this previous loan/lien was paid off. The other file attached will show an Internal Payoff-HELCOC for {$110000.00} as well as the account number they paid off. 

However, it is over 6 months later and it is still showing as an active lien with the County Clerk.
Consumer complaint received 2019-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (MI)

Here are the following banks that are not returning the fraudulant funds that were charged on my accounts. They show the fraudulant charges creditied but I have no access to them and I don't have the money to make any payments. This has been 6 months ago. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX by Mail XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX I was the victim of the XXXX breech and hackers gained access to all of my funds. I have yet to receive any monies owed to me and was hoping that you could help. Thank you in advance for any help you can give me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX
Consumer complaint received 2023-03-31
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)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These creditors have 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 an 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 2022-08-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Have made several attempts to the 3 credit reporting agencies along with XXXX XXXX XXXX to notify them that I have been a victim of identity theft by my ex-husband. They continue to claim that the information has been verified. How can it be verified if I have enclosed my Identity Theft Report. and my consumer report is still not accurate. For that reason I have been unable to refinance on my home per the Final Judgement of the Dissolution of Marriage deadline. I will also enclose of copy of the judgement as additional proof that my ex-husband has agreed to pay that account. Their blatant disregard to my request has caused me to have been denied of financing. I am now demanding that the XXXX account XXXX be deleted IMMEDIATELY or I will have no choice but pursue litigation for the damages that has occurred to my livelihood. 

I am also requesting that all inquires be removed from my report IMMEDIATELY for I didn't provide written consent.
Consumer complaint received 2020-09-24
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: EQUIFAX, INC. (GA)

The companies continue to report inaccurate information on my credit report. I notified them twice that they are illegally reporting inaccurate information on my credit report. Im attaching my letters with all the information necessary.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc. (MN)

A bank account was fraudulently opened at Square using my personal contact information including my email address. I found out about this when I received an email notification in XXXX that an account had been opened. I contacted Square support by email and they said they could not provide assistance over email. I called support and they told me a ticket would be created and the issue investigated. They did not follow up with me or resolve the issue and I continued to receive notifications about this account. I called multiple different times over the following months to try and have the issue resolved. In XXXX I was told the issue would be escalated and investigated and then was told that the account would be deactivated. I continued to receive email notifications about bank statements and activity for this account however even after I was told this. I again called and was told it would be investigated but no action was taken and Square did not follow up about this issue. 

Despite multiple attempts on my part to have the account that was opened using my personal contact information without my authorization closed or to have my information removed this issue has not been resolved.
Consumer complaint received 2023-03-31
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. (CA)

The credit reporting agencies are not doing anything in regard to the fraudulent information reported in my credit report. It is unfair that my creditworthiness has been damaged due to this fraudulent activity. 
My personal information got exposed in XXXX XXXX XXXX during the XXXX  data breach. Somebody without my knowledge opened up multiple fraudulent accounts by taking my information. 
Additionally, this unauthorized person used an address I had never lived.
Consumer complaint received 2019-06-13
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: Experian Information Solutions Inc. (MS)

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX XXXX, DEPT OF ED/XXXX
Consumer complaint received 2022-09-01
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX BANK XXXX Open Date XX/XX/ 2013 Balance : {$0.00}