davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I have made several attempts to get an unvalidated bankruptcy removed. Several attempts have been made over the past 6 months to get full validation of who, when, and where the bankruptcy was confirmed by. After doing an investigation myself, the United States bankruptcy court does not do any business let alone report to credit bureaus. There is a security freeze on my XXXX data minor file that has been there for quite some time so who received the validation from those two companies?
Consumer complaint received 2019-04-14
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. (PA)

XXXX XXXX is reportin a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and Experian but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely innacurate they are in violation of my rights. 

Account type is reporting as joint for XXXX and individual for experian. XXXX is reporting a monthly payment of {$260.00} and experian is reporting {$0.00}. XXXX is reporting the date opened as XXXX and experian is reporting XXXX   XXXX is reporting the last reported date as XX/XX/XXXX and experian is reporting XX/XX/XXXX. XXXX  is reporting date last active as XX/XX/XXXX and experian is reporting XX/XX/XXXX. As you can see this is agains the law and is hurting my ability to obtain credit
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

There are two concerns here. 

The first is due to all the selling and changing of accounts XXXX XXXX XXXX Changing of websites and things ending up in XXXX back in XXXX. The way i had my loan all set up for leaving town for an extended amount of time. 


I was unaware of the change at the time and i was in an extended forbearance. You can see my credit report supports this. I was without phone service most of the time and i surprisingly found out i was over two months late on a loan i was under the impression was in a forbearance. As you can see in the photos due to me registering to get electronic statements and applying for another forbearance ( which XXXX was very helpful with ) they said they could backdate my forbearance from XXXX to XX/XX/XXXX and would remove the late pays on my credit report. almost 6 years later i come to find out the 60 day late is still there and i was misled and i feel they should be deleted even if as a goodwill gesture. 
As you can see ive done what i can to keep this loan in good standing and I would hope that what i was told can be honored and the 60 day late pay can be removed from all 3 CRA. 


The other ISSUE is a bit tricky and complicated but at the heart of it beginning XXXX i started getting into the IBR program i had issues getting all the paperwork accepted and each time it would take and extra 30 to 60 days, Part of IBR is to get 3 years no interest tacked on.

Ive had issues re certifying because of the time it takes and see it isnt as simple as 3 consecutive years with no interest. However since XXXX i have had 36 qualifying payments and i think they should be honored. The average monthly interest is {$50.00}. 
even if you calculate that from month one of XXXX taking over this loan XX/XX/XXXX that is roughly {$3600.00}. The balance started at {$14000.00} and is now today {$17000.00} a difference of {$3700.00} so ive been charged OVER the full amount of interest. with 3 years 36 months of qualifying ibr payments i feel the promised 3 years no interest should be honored which would be equal to {$1800.00}.
Consumer complaint received 2019-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

My student loans were consolidated on XXXX of XXXX so that I could get on an Income Based Repayment plan so that I could have my loans forgiven under Public Service Loan Forgiveness. I  began making payments to Navient from XX/XX/XXXX through XXXX of XXXX. My credit report does not show that I made payments to Navient from XX/XX/XXXX to XX/XX/XXXX. That is 34 payments that are missing from my grand total to receive debt forgiveness after 120 total payments have been made. That is also {$9200.00} that is not credited to my bill plus interest I may have accrued. I have my bank statements showing that I made all of  these payments. 

Also, when I call XXXX XXXX ( my current servicer ) they are saying that I was on the wrong payment plan during this same time period XXXX XXXX XX/XX/XXXX. So if I do get credited for these payments they are not in the right plan in order to receive Public Service Loan Forgiveness. XXXX XXXX is the company that serviced my loan in XX/XX/XXXX and put me on an IBR plan. When they sent my consolidated loan to Navient they should have had Navient put me on an IBR plan. It did finally get changed to an IBR plan at the end of XXXX. 

XXXX needs to show a credit to my account of {$9200.00} plus interest. 
XXXX currently only shows that I have 11 payments towards my 120 payments needed when I have made 102 payments.

I have never missed one single payment. Please help me. Thank you for your time.
Consumer complaint received 2018-10-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Viceroy, Inc. (FL)

My name is XXXX XXXX. I live in XXXX, Florida, My ex-husband and I received a car loan from XXXX XXXX XXXX XXXXXXXX XXXX approximately 20+ years ago. When my husband and I separated, I filed for bankruptcy due to financial hardship. I also filed for bankruptcy on several other occasions. Around the first of this year, my place of employment was contact by, XXXX XXXX with XXXX XXXX, a debt collector .seeking to have my employer garnishee my wages. Fortunately I was no longer employed with that agency. Around XX/XX/2018 I was served, along with my previous employer, with court documents from XXXX XXXX XXXX XXXXXXXX attempting to collect on the auto loan that I received approximately 20+ ago, Mr. XXXX constantly called and harassed my previous employer on a daily basis. Mr. XXXX and employee of XXXX XXXX XXXX XXXXXXXX XXXX are constantly calling and harassing consumers. Somehow of another XXXX XXXX XXXX are able to file suit on debt that are well past the statue of limitation.
Consumer complaint received 2018-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (OR)

I received an unauthorized charged to the account. When I attempted to do a transfer to the new account number, the associate attempted to close the account and open a new one. This is not the normal process for Wells Fargo. I asked her not to do so and to instead do the process I requested. She did not and instead proceeded to close the account and put a hard hold on it. When I attempted to resolve it with multiple associates none were willing to take the steps necessary to resolve the issue. Instead they asked me to go into a branch and open a new account.
Consumer complaint received 2021-10-16
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)

To whom this may concern : I am writing this complaint, because I have been trying to get a 30 day late payment off of my credit report. XXXX 's has been reporting a late payment on my account since XX/XX/XXXX. I have disputed this issue with the credit bureaus, XXXX XXXX and Experian, it does not show up on XXXX. I have called and have spoke with several different representatives and have been told that this account can't be undated, corrected, or changed with them and was directed to the credit bureaus. And was told the same from Experian and XXXX XXXX both say verified in the response. I spoke with someone on XX/XX/XXXX and asked to have the notes from that conversation to be sent so I could include those in this complaint. As of XX/XX/XXXX. That is the day I started this claim, I checked my Experian account, and it is stated that my account with XXXX 's has been closed. It won't even show on my XXXX XXXXa account. I called, and spoke with XXXX, asked about notes from the XX/XX/XXXX call, she said no call was on file for that date. Ask no call? Was told the last time it shows I called was in XXXX of XXXX, she also stated that my account was closed on XXXX of XXXX, and the last payment that they received was XX/XX/XXXX I asked several times are these dates accurate, and was told yes. I asked to speak with a supervisor ( XXXX ) which she told me I needed to call back and speak with someone in the credit dept since they were closed. I ask was the account open and active, she said yes. So I asked to place an order and was advised that their maybe a hard inquiry if I did, even though she said that my account was open and active. I find it very stressful, exhausting, and a bit frustrating at times to speak to so many different representatives and get different answers and reasons why my account is reporting late and nothing can be done. And now to look and my account is closed, so much more damage to my credit report, than that 30 day late now. Payment history, age of account, tradeline. It feels like retaliation to my calls and disputes. This claim is to get this issue corrected, and also to help anyone to avoid going through this situation. Thank you in advance.
Consumer complaint received 2023-09-29
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Freedom Mortgage Company (ID)

On XX/XX/XXXX I sold my house and asked the company to send me the escrow money which is {$2500.00} back to me. 
The original loan was under my husband name who passed on XX/XX/XXXX. I continue to pay the mortgage until the day I sold my house. 
I sent the company the will, the executor of the will my d.l and my picture to prove it me on the driving license. It had been over 2 months since I sold my house and still didn't get the money. I live on XXXX and need every penny. I spoke with the rep named XXXX XXXX from the company, last time was on XX/XX/XXXX, but since then she ditched me and does not take my calls. 
The company name is Freedom Mortgage account number XXXX. Under the name XXXX XXXX.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (LA)

Experian lists my open accounts, balances, and credit limits on their website and shows a total balance due of {$140.00}, or 6 % utilization. This 6 % is repeated several times and is called " low '' and " ideal. '' Credit utilization is 30 % of my FICO XXXX Score. 

25 % of my score is in the " Very Good '' range. 45 % is in the " Good '' range. But my FICO Score is only " Fair '' -- and XXXX points away from " Good '' -- because Experian computes my score, not with the " Ideal '' 6 % utilization they show me, but with a " Fair '' 62 % utilization that isn't explained. 

I've made several calls asking why 62 % utilization is used to compute my score, when 6 % is on my report. I've been referred, repeatedly, to the Experian dispute site. No one has offered an explanation as to why my score is computed with 62 % utilization rather than the 6 % usage shown.
Consumer complaint received 2022-12-14
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)

Hello, I am aware that I have rights protected under the Fair Credit Reporting Act ( FCRA ) and I believe it is imperative that I share this information with you. I have discovered a very easy, clear, and concise violation on one my accounts. On my credit report, I see many inaccuracies being reported. I will attach the section of my credit report so you can view the erroneous details. 

Account Name : XXXX Account # : XXXX Inaccuracy # 1 : Account Status : " Derogatory '' for XXXX and XXXX XXXX however shows " Paid '' for Experian Inaccuracy # 2 : No. of months ( terms ) : 9 months for XXXX and Experian, but 0 months for XXXX Inaccuracy # 3 : Payment Status : " Collection/Chargeoff '' for XXXX and XXXX, however " Unknown '' for Experian. 

Inaccuracy # 4 : Date Last Active : 3 different dates. 
XX/XX/XXXX for XXXX XX/XX/XXXX for Experian XX/XX/XXXX for XXXX Inaccuracy # 5 : Date of Last XXXX for XXXX and Experian, however XX/XX/XXXX for XXXX This information can not be accurate if I'm being provided with different data from each credit bureau.
Consumer complaint received 2023-06-26
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. (MN)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX/DOFED XXXX Balance Owed : {$1400.00} ; XXXX/DOFED XXXX Balance Owed : {$640.00} ; XXXX/DOFED XXXX Balance Owed : {$3500.00}.
Consumer complaint received 2017-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit Report compamy is reporting a derogatory debt that has not been proven to be mine. I have disputed this for years and they still fail to provide proof of debt. The creditors name is  XXXX   XXXX   XXXX  the date is  XXXX / XXXX /   2014  in the amount of {$2000.00}. I have not received anything supporting this debt. This is a violation of my consumer rights.
Consumer complaint received 2023-06-25
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: Maximus Federal Services, Inc. (FL)

I mailed letters to this company informing them that I was writing to request deletion of certain student loans from my credit report as provided for under federal law, specifically 15USC 1681b ( a ) ( c ). I believe that the inclusion of these student loans on my credit report is in violation of the law, and I kindly request your assistance in rectifying this matter. As you are aware, 15USC 1681b ( a ) ( c ) mandates that consumer reporting agencies, such as yours, must ensure the accuracy and fairness of the information they include in credit reports. According to my understanding of the law, certain student loans should be exempt from reporting after a certain period of time, provided they meet the necessary criteria outlined in the statute. After conducting a thorough review of my credit report, I identified the student loans that I believe should no longer be included and NOTHING WAS DONE
Consumer complaint received 2020-09-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

During Covid-19 this XXXX of 2020, and even before the pandemic I opened an account in order to purchase a home for me and my family. While doing so, I had utilized some spam I had in my account and decided to utilize a Hotel membership I had never been interested in utilizing. I have paid the Company in amount ( s )  not exceeding {$15000.00} while traveling, seeking, advocating just fair housing rights and public rights administration
Consumer complaint received 2021-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (KY)

I contacted FedLoan Servicing via XXXX XXXX on XX/XX/XXXX ( the chat feature on the FLS website was not working at the time ) to request a refund of a payment for {$1500.00} I made on XX/XX/XXXX after the COVID forbearance began. I received an email on XX/XX/XXXX from a Customer Service Associate at FLS stating that the request for the refund had been submitted and could take anywhere from 2 weeks to 2 months depending on the Department of Treasury. I called FLS after 2 months had passed and was told that they could see that the request had been made but it had not been processed and that they would expedite it. On XX/XX/XXXX, I sent another message on XXXX XXXX to check on the status of the refund request. I did not receive a response to that XXXX message so on XX/XX/XXXX I called and spoke with someone at FLS who stated that FLS could not issue the refund because the payment was made to XXXX ( my loans were transferred in XX/XX/XXXX from XXXX to FLS ). As a result, the refund requests were being cancelled each time. I was also told that I would need to contact XXXX instead even though they no longer service any of my student loans. I called XXXX and they were understanding and helpful but said they would need to look into it. I then received a call on XX/XX/XXXX from the Customer Service Associate at FLS who was assisting me previously and she stated that she found proof that I made the {$1500.00} payment in XX/XX/XXXX and she submitted that proof. She stated it was now pending approval from the Department of Education and that it takes 7-10 business days to receive the check once it is approved. My loan balance in the FLS website now reflects that {$1500.00} has been added back to my loan balance but the refund has not been issued to me. I checked in again with FLS on XX/XX/XXXX and was told that the request had been resubmitted and was pending final approval from Federal Student Aid. I checked in again and received an email that my most recent request from XX/XX/XXXX was still pending final approval and that it required a secondary review due to being a higher amount. Once approved, it would take anywhere from 2 weeks to 2 months. As of XX/XX/XXXX, the refund has not been issued. It has been 5 months since the refund was originally requested. I do not know who to contact at this point because each time I ask, I am told that a different entity is reviewing or needs to approve the refund ( Department of Education, Department of Treasury, Federal Student Aid, etc. ). I do not know who to contact at this point as the person who is following my case at FLS replies each time that it is still awaiting approval and takes 2 weeks to 2 months and names a different department each time who still needs to review the refund. I am trying to get this resolved before FLS stops servicing my loans once their contract ends. Any assistance would be appreciated in resolving this matter.
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc. (OH)

The XXXX XXXX XXXX terminated my lease on XX/XX/2017. 
However, after that they hired FABCO LLC to collect an debt that I do not owe them. 
After producing FABCO the documents that I do not owe this alleged debt the reduced the debt a but refused to remove and close the accout. They have continued to harass me about this debt that I do not owe and refuse to remove the debt from my credit report and other debt agencies preventing me from obtaining housing.
Consumer complaint received 2023-04-29
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. (TX)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. please remove the following items : XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX-MT XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX
Consumer complaint received 2021-06-11
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: CCS Financial Services, Inc. (AR)

Over the past several months I've been in contact with XXXX, XXXX, and XXXX in regards to a medical collection account reporting under the name of ccs collection located in massachusettes. This account has been reporting inaccurately due to idenity fraud and or theft. This account has never belonged to me nor have I ever received any medical treatment on during the times the account claims to have been opened. Also I am aware of the Health Insurance Portability and Accountability Act of 1996 in regards of protection and confidential handling of protected health information. In additon, this account has previously been removed from XXXX  and XXXX  reporting consumer reporting agencies.