davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
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)

I have filed XXXX disputes with Experian regarding an erroneous bankruptcy chapter XXXX that is listed on my credit report, the most recent one was XX/XX/XXXX. I do not believe that Experian is taking the necessary steps to actually verify the public record in question. I have provided them with a substantial amount of factual documentation that proves this alleged bankruptcy is inaccurate and it needs to be deleted from my credit report immediately however they continue to respond verified. 

Due to Experian inaccurate reporting to my consumer file it has caused me a great deal of emotional stress and is hindering me from purchasing a home for my family. They stated that XXXX XXXX verified this information so I provided them with a letter that I received directly from XXXX XXXX dated XX/XX/XXXX which states the alleged bankruptcy was removed. They then stated that the courthouse verified this information and I provided them with a letter that I received directly from the courthouse dated XX/XX/XXXX which states they do not provide information to credit reporting agencies. 

If XXXX XXXX does not have this bankruptcy on file and the Courthouse does not verify information with credit reporting agencies then who are you verifying this information with?? Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( XXXX ) The sources of the information. 

XXXX and XXXX have removed the erroneous public record. Each bureau is responsible for providing accurate information per the FCRA. How can this bankruptcy be accurate or verified if no other credit reporting agency is reporting it except Experian??? 

I have attached the dispute letter mailed on XX/XX/XXXX, dispute letter mailed on XX/XX/XXXX, XXXX XXXX letter, Courthouse letter, Credit report, notarized affidavit, my drivers license and utilities bill for your review. This is an urgent matter please delete this inaccurate bankruptcy.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (ME)

I have sent several messages through the app, after trying to call and being on hold for over an hour every time. The app states that they will reply in 2-3 business days. I have never received a reply to any inquiry. Now they are " retiring '' the app. The app makes it easy to manage and pay my loan. They provided no explanation about why. They are making it harder in this hard world for people to make payments. Not everyone has a laptop to go on the website and some phones don't convert well to sites like this. This is a disadvantage for all those repaying a loan. And the horrible customer service and no reply is just adding to this.
Consumer complaint received 2022-01-15
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. (CA)

Experian and XXXX continually letting companies report on my credit report after being removed because of the Fair Credit Act Law that requires any items that are 7 yrs or older to be removed.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KY)

I have been getting phishing emails from Equifax since I set up a monitoring membership with them in XX/XX/2020. I believe the emails are going to someone else 's XXXX first and then being forwarded to me. I am the victim of Cyberstalking and now Identity Theft. I have filed 2 IC3 reports and have tried to resolve the issue with Equifax with NO LUCK. No one will tell me the truth and I believe they can see what the issue is but are not telling me. All of this is putting me in a financial bind. 

I mean I am being violated in so many ways and no one is doing anything about it.
Consumer complaint received 2022-05-01
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: EQUIFAX, INC. (GA)

I disputed a XXXX XXXX XXXX  on my credit file with Equifax. I received the results of the dispute on XX/XX/2022 showing that this public record has been deleted from my credit file. 

As of today, XX/XX/2022, this bankruptcy is still showing on my Equifax credit file. I contacted Equifax today and spoke to a rep about this issue. I provided her with the dispute number and she confirmed the result of the investigation that the item is to be deleted. 

She investigated further as to why this item has not been removed from my Equifax credit file and stated it was due to an internal error with their system not updating my credit file and proceeded to tell me they will have to open the dispute up again and begin the process all over again. I will have to wait an additional 30 days for this to be updated and removed from my credit file. 

I have attached the document showing the results of this dispute and would like my Equifax report to properly report this. This is unacceptable and violates the FCRA. If the results of an investigation result in a deletion, this must be immediately updated on my credit file. Equifax has failed to do so.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-06-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NC)

I was contacted by my bank Freedom Mortgage to refinance my VA loan. As I going through the process they claim that a closing service XXXX XXXX XXXX which I have never done business with has a Lein/judgment on my home. I have tried for weeks to get it resolved but no response from the company. I have done a bit of research and this is the company that Freedom Mortgage use for closing services.
Consumer complaint received 2021-06-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Upgrade, Inc. (AR)

I submitted a dispute on XX/XX/XXXX for the two charges that were taken from my account while I was in basic training I had my debit card and all of my stuff with me at all times in the charges were made in a different state at a XXXX in the amounts of {$940.00} and then another one for {$43.00} on the same day I submitted the disputes and have contacted the institution over and over again to try to get some understanding of why the dispute was declined claiming that the chip was used during the transaction when that's impossible because my card was with me in another state which I have documentation showing I was in basic training. I since called and tried to reopen the dispute was told that it was but have gotten no response I seriously would like to try to recover these funds.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX ( XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX  XXXX  ( XXXX XXXX ) Account # XXXX, XXXX XXXX ( XXXX  ) Account # 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 an account without my written instructions.
Consumer complaint received 2020-07-12
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. (MA)

I have sent several disputes regarding the two mortgage Companies reporting on my account. The only open mortgage I have is with XXXX XXXX. Please have them remove the account from XXXX XXXX. I have asked for proof with no response.
Consumer complaint received 2021-06-23
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. (GA)

Experian has committed fraud by putting inquiries on my credit report without my consent. Which is a violation of my rights pursuant to the FCRA ( Fair Credit Reporting Act ) namely 15 USC 1681 and multiple violations pursuant to the FDCPA. These fraudulent reports have damaged my reputation and caused pain and suffering due to the inquiries causing my credit score to drop which in turn affects my livelihood. This " XXXX XXXX XXXX XXXX XXXX '' Inquiry should be removed from my report immediately.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX ( XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX, XXXX  XXXX ( XXXX  XXXX  ) Account # XXXX, XXXX XXXX ( XXXX ) Account # 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 an account without my written instructions.
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: REGIONS FINANCIAL CORPORATION (AL)

I opened a secured credit card account with Regions in XX/XX/2017 at the XXXX XXXX branch in XXXX, Alabama. The representative was XXXX XXXX. I advised XXXX XXXX that for security reasons, I wanted the new card to go to my XXXX XXXXXXXX as I've experienced difficulty receiving mail at my residence. XXXX XXXX advised that it had to go to my residential address instead, so the card never came. I asked XXXX XXXX how long would it take for the card to be issued & she could not provide a turn around time whatsoever. I even made requests to have the card personalized ( for added protection ) & she refused. I asked for special handling ( XXXXXXXX, etc ) upon completion of the processing & she refused that, also. As a matter of fact she took the time out of this application process to comment on how her & *her* husband lived in a rented house for 3 years & paid {$750.00} for rent & then she said, " I mean {$720.00} & we wasted almost {$9000.00} per year in rent instead of home-ownership. Her comment was unsolicited, inappropriate & was tailor made to my husband & I as we rented a home for exactly 3 years & paid {$720.00}. I am a victim of whistle-blower reprisal & I recognize these types of comments as they've been made by retailers before as a form of verbal harassment. I am contacting CFPB in regards to the fact that my card was sent overnight to XXXX, Indiana in XXXX after repeated calls & inquiries to XXXX XXXX, but when the card arrived, XXXX XXXX had a fraud alert placed on the card, so upon activation, the card did NOT work. XXXX knew that she was speaking to me because I provided information that only I could provide. She claimed she was getting the hold/block lifted but I've only been able to use the card once & I've been declined at various merchants including XXXX. XXXX XXXX repeatedly asked me when I was returning to XXXX as if I had no right to visit family in another state. Her repeated interference is a violation of my civil rights & I would like to have these fraud alerts removed once and for all. Her actions are willful. She is skilled at playing dumb, but is well-aware of the damage & repeated harassment. I opened the card account for credit purposes, but her malicious acts are adversely impacting my ability to use the card and to make timely/early payments.
Consumer complaint received 2018-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (CA)

I disputed a negative item on my credit report via XXXX 's tools. I made sure to note that I am unaware of this debt with this company and they are still remaining on my credit. I do not owe this company any monies. I've never had an account with this company. I do not owe ANY creditor the amount they are reporting in excess of {$400.00}. So, I am sure that this is an erroneous debt.
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MI)

i tried to pay for a goods and services on paypal and they took the money. the guy is a scammer and i contacted paypal immediately and since i used the goods and services option i should of been refunded but they have not done so and let the person keep the money. money sent the XXXX in the evening and i contacted them the XXXX i am supposed to be covered by their purchase protection program since i sent the money as goods and services. as ive had no contact with the seller and they have not done the work they were contracted to do. i also do not have the item.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MO)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC (MO)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2024-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

I had 5 payments remaining on my student loan for PSLF as of XXXX XXXX. My previous employment verification was verified up until XXXX XXXX I submitted my form and on XXXX  the form showed on MOHELA 's website that it was received. 

I sent MOHELA an internal message on XX/XX/XXXX stating that my information wasn't showing updated on the Financial Aid website and was not able to process my PSLF verification to ask for loan forbearance. I asked them to look into why my dates of employment were not updated on the federal website. I spoke to a customer service representative with a trainer on the phone call to ask how long the process was going to take. He stated 90 days from XXXX I asked if I needed to fill out another form and he stated, that they would be able to count the payments internally. 

On XXXX, I received a response from the message center and this is their response " Thank you for contacting MOHELA, Our records indicate that you called and spoken to one of our Customer Service Representatives regarding this inquiry. We will assume the inquiry has been handled. '' I received a denial letter on XXXX  stating that I didn't meet the remaining 5 payments of the student loan for the PSLF. my previous form was updated until XXXX  ( according to their website ). The 115 payments are still showing listed but it appears they processed my form from XX/XX/XXXX without giving me credit for the XXXX XXXX for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. ( 115 payments made + 5 months=120 ) I resumed my student loan payment of {$580.00} on XX/XX/XXXX, and have paid every month to date because of their error in reporting it to the federal student loan system on time. 

I don't know what else to do. I've submitted my PSLF form, MOHELA held onto it since XXXX  and denied it on XXXX stating that I didn't have enough payments to meet the criteria. They didn't process for the months that I needed to have my student loans forgiven and now the process starts again. Fill out a new form and wait almost 120 days, if not more, for them to review the same information. 

They have the data that shows the correct information and I don't understand why this ends up being a burden on the borrower. I would rather pay the federal government directly than with a third-party contractor that doesn't know how to count.
Consumer complaint received 2023-03-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc. (AL)

This company used my social security card which is my credit card. According to the USC It gives the definition of a credit card below.

15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on XXXX XXXX XXXX  and is in violation of 15 U.S. Code 1642.

U.S.C 1681m and 12 cfr 1002 because I, the consumer. made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX  and PROPSPER according to 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.

By law a consumer cant deny you for credit according to number 3 above and 12 CFR 1002.7 - Rules concerning extensions of credit.

1002.7 Rules concerning extensions of credit.

( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis.

One of these prohibited basis includes a consumer something in GOOD FAITH which I did.
Consumer complaint received 2024-02-05
Product: Credit reporting 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)

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Account # XXXX Date Opened XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.