davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-01
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)

I obtained a few student loans through the XXXX XXXX XXXX/XXXX  and am very grateful for it. However, around XXXX of 2013 and before, my understanding, was that my loans were in deferment ( 2 student loans on XXXX2013 reported 90 days late ). It has just come to my attention that it is and has been reporting as 90 days late. If I knew about this earlier, or IBR, then this issue would have never occurred. I am wondering if XXXX XXXX XXXX/XXXX would be kind enough to remove this 90 day late from both XXXX XXXX XXXX/XXXX Accounts, as it 's really hurting my credit score, and hindering my attempt of being a home-owner one day. I have made my payments current for about 2-3 years or so, and I hope that would be taken into account.
Consumer complaint received 2019-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Broward Adjustment Services (NY)

On XX/XX/2019, I sent by mail a verification letter to the collector. I informed them that I did not recognize the account that they are trying to collect. Also I requested them verify the debt as required by the Fair Debt Collections Practices Act ( section 1692g ) and XXXX XXXX  XXXX Administrative Code ( section 20-493.2 ). I asked them for : A copy of an original document confirming the debt to the original creditor ; A copy of the final account statement issued by the original creditor ; A document itemizing the total amount due and additional charges ; and Any other documentation verifying the balance and all other charges alleged due. 
Unfortunately to date I have not gotten any verification from the collector. To my surprise, today I have checked my Credit Report and I noticed that the collector only updated the information as : " Account Information Disputed by Consumer ''. It means the collector got my letter but it did not verify the account.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX  reported me as being late for account number XXXX for several months when I was advised that I would not be reported late. I had a death in the family and keep XXXX XXXX   up to date with everything. They told me that they would remove these late payments but they haven't.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX reported me as being late for account number XXXX**** for several months when I was advised that I would not be reported late. I had a death in the family and keep XXXX XXXX  up to date with everything. They told me that they would remove these late payments but they haven't.
Consumer complaint received 2018-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (NY)

After paying for a monthly service through Experian, there have been two additional collections accounts placed on my credit report. I do not owe the money which has been added to the report and a credit lock, fraud alert has been in place for several years. The most recent fraud alert was added this month. Someone in XXXX, Florida has added a {$200.00} consultation fee to my credit report twice. The collection is not my account, and I have not received any consultations in XXXX Florida. When calling the number listed at the Experian website several times, there was no answer. When accessing the online account there was again, no access allowed to dispute the added collection. The monthly fee has already been paid and was about {$25.00} per month last couple of months service fees.
Consumer complaint received 2021-07-02
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. (PA)

This account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX reported me as being late for account number XXXX for several months when I was advised that I would not be reported late. I had a death in the family and keep XXXX XXXX up to date with everything. They told me that they would remove these late payments but they haven't.
Consumer complaint received 2018-01-01
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. (AR)

I have several credit inquiries from multiple companies. I contacted Equifax to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issued, Just an unauthorized inquiry. The information is still on my report and i cant get any help from Equifax or the companies.1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX/XXXX/XXXX/XXXX 8.XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I recently found a late payment on my credit report that I don't recognize. According to the Fair Credit Reporting Act ( FCRA ), payments are not supposed to be listed. I believe it's a mistake, and I request it be fixed.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

I got a credit card with XXXX which is through Comenity Bank. I made my payment of {$65.00} and closed my account in XXXX. At the time, my account was telling me that it was paid in full and i did now owe. I opened this account in XXXX. 5 months later, I get a random email letting me know my XXXX Statement was ready to be viewed. I thought it was weird and logged in. It said I owed {$240.00} worth of late fees and interest charges! I was never once called by Comenity bank that these charges were overdue and I was incurring late fees after late fees each month. Not one single call to let me know! I tried to resolve it with them and they sent my account to collections and told me they have nothing to do with it now and to deal with collections. My online account is from Comenity bank and said my balance is {$240.00} and willing to accept a payment. When I called the collections company XXXX, they told me I owed {$190.00} which doesnt make sense. They have no answers to why the amounts are different and they are not willing to waive any fees for me even though they never had the decency to let me know these charges were being accrued every month. Now my credit is messed up and no one is willing to help me. I
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE BANK USA stated on my credit report that my card is past due 60 days. This is inaccurate and I have proof that I have been making payments. The card just accentually went over it credit limit but I have been paying down on it to bring that limit down.
Consumer complaint received 2018-01-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc. (FL)

Over the past few I been dealing with a company in XXXX Florida MG Credit.They have placed negative information on my credit reports and I been disputing a account from XXXX XXXX.I never received a letter from MG Credit stating that Im obligated to pay them nor they sent proof of debt.The credit bureaus deleted this information a while back but the account was placed back on my account with no validation of debt.To this day they have n't presented any proof that I owe this debt of {$1600.00}
Consumer complaint received 2021-06-26
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-01-01
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. (TX)

I have contacted Experian on numerous accounts asking for verification on items that they are showing on my credit file. Repeatedly, they send back the same generic XXXX  response with no validation of my findings.The FCRA requires all CRAs to VERIFY all information received from the creditors BEFORE adding them to your credit file but since it will be time-consuming and costly, they are taking the shortcut by doing everything electronically which is not how the FCRA says it should be done. To help you know exactly where in the Fair Credit Reporting Act it says the Credit Reporting Agencies must provide copies of your signed documents that verifies the accuracy of your accounts in their files, CRAs are supposed to be in 100 % compliance with the law. I just received a new report from Experian showing the same erroneous items brought to their attention before. I have attached it as a document for verification. They need to be fined and quit being XXXX by helping their inner circle. It 's the law to be fair and just.
Consumer complaint received 2017-07-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

Experian will not/has not removed the 2 judgements on my credit report due to the National Consumer Assistance Plan as of this date. I tried to submit disputes for them, but their website has locked me out from disputing those items as previously disputed. I tried contacting them, but no one will assist me over the phone about removing those 2 items since the records do not contain my DOB or SSN.
Consumer complaint received 2021-11-27
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. (IL)

I have put in a dispute for XXXX XXXX that is showing on my credit report, the have fail to remove the collection while it's being investigated which is a violation of the FCRA removing collection from consumer file while being investigated.
Consumer complaint received 2018-01-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (TX)

I disputed Santander Consumer USA over a year ago. The account was then removed from my credit file. However, it was reinserted with notifying me via mail! In accordance with the compliance of the FCRA, I am requesting their compliance with any and all of the provisions. FCRA 611 ( 15 U.S.C 1681i ). I did not receive no notification and demand they remove this account from any reporting bureau.
Consumer complaint received 2018-01-01
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: Nelnet, Inc. (FL)

I contacted XXXX and informed them that they were improperly reporting student loans that do not belong to me from Nelnet/DEPTED on my credit report on XX/XX/XXXX, via U.S. Certified mail. I was notified from the U.S. postal service that XXXX  received my letter requesting to remove the incorrect accounts from Nelnet/DEPTED on XX/XX/XXXX. I requested to have these accounts deleted from my credit history as well as having XXXX send me an updated version of my credit report reflecting correct deletion of any accounts associated with Nelnet. XXXX  never responded to my request to have the accounts removed from my credit report. 
I contacted XXXX via telephone on XX/XX/XXXX, and attained a recorded phone conversation with a representative of XXXX, XXXX XXXX, who confirmed that XXXX does not have documentation from Nelnet/USDEPTED with my signature for any student loans and that XXXX is still refusing to comply with F.C.R.A. regulations by reporting false information on my credit report and refusing to remove it from my file.
Consumer complaint received 2022-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NJ)

I have made a refund request for payments made after XX/XX/2020 as per the CARES ACT from MyFedLoan on XX/XX/XXXX via phone call. I also reached out via email on XX/XX/XXXX as confirmation. Additionally, I made several other phone calls on XX/XX/XXXX attempting to request the refund from MyFedLoan for all payments made to my account after XX/XX/2020 per the Cares Act. 

Each time I asked to receive a confirmation number and was given no confirmation or tracking number. On subsequent calls, after making a request that the customer service team said was submitted, the next representative told me that they could find no refund request made at any time. 

Going forward, I have been unable to reach out support team in a timely manner, several hours on hold each time, and have been hung up on several times when attempting to follow up on my refund. It is clear that they are attempting to delay refund requests to avoid paying back the loan payments made and reinstating my loan. 

Each time I was told that the refund request was submitted I was given an estimated wait time of almost 6 months that I would have to wait for the refund to be processed and that there would be no way to track the refund request during this time. 

I am simply trying to receive a refund for any and all payments made to my MyFedLoan ( Account # XXXX ) as per the CARES Act and to have a confirmation of this or to have them refunded in a timely manner and my loans reinstated.
Consumer complaint received 2017-11-16
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. (WA)

XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be  removed and set to current. As soon as I contacted XXXX my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as XXXX is doing illegal collecting and reporting.
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

Account was closed on X/XX/2017, with no warning. Now applying for mortgage I am being told the account was closed and it hurting my debt ratio. Tried getting it reinstated and bank will not help. paid on time, and paid off the credit card on time.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

This is my first 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  Balance Owed : {$2300.00}
Consumer complaint received 2022-09-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP (NJ)

I have been getting harassing calls along with Letter via Mail from XXXX, XXXX, XXXX XXXX attorney at XXXX, since XX/XX/2020, constantly calling my phone before XXXX, past XXXX as well as weekends excessive number of calls, theyve even gone as far as reaching out to my employer before I was terminated. 
I called back on XXXX to speak with someone at this office to find out what was going on to not only be insulted but, threatened hung up on and sent several subpoenas, saying that I owe a company by the name of XXXX XXXX XXXX XXXX XXXX ) with lots of different $ $ $ $ amounts owed, not to mention I have no knowledge of who or what this company/ organization is, Ive never heard of them. 
I tried reaching out to them several times after this incident requesting that they submit proof of these accusations theyre making, and their response was NO they are not allowed to disclose any information related to this as they were sold my information from what they claim was a past credit card I owed, which is not accurate. They proceeded to ask me for my personal information, such as an address they have on file and the phone number in which they called and asking for my D.O.B and S.S.N. I explained to them that I didnt feel comfortable giving my personal information especially when I had no idea who they were and with the number of scammers and hackers out in the world, I was not going to disclose my personal information with them, the person on the other end of that call was very rude and obnoxious. 
I am still dealing with the calls from this company as well the harassment and the rude representatives Today.
Consumer complaint received 2024-01-30
Product: Credit reporting 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2021-06-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I requested a method of verification on XX/XX/24 and have not gotten anything back. No updated letter with investigation results, no name, phone, or address advising who verified any information. I then sent in a letter disputing account information. I finally get a letter saying they updated the account. How did you update the account with no method of verification. It looks to me the account was updated wi try information I provided and I asked the wrong information be deleted. This is a violation of the FCRA. How can you update something and not provide method of verification.
Consumer complaint received 2018-01-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NY)

This is a debt that was charged by XXXX  for internet after multiple attempts to close the account. I moved from the residence and was forced by XXXX to open a new account due to a new zip code and they did not close my old account and continued to charge me on both accounts- my new residence as well as my old one. my new residence 's account is still open and currently paid in full. this charge is not valid and i have tried telling the collection agency this, have given them my current accounts number, and disputed the collection on my credit report and they are still saying the debt is valid. 

Details are as follows : Opened XX/XX/2018 ( 8 mos ) Account status Open Original Creditor Name XXXX XXXX XXXX Creditor information- EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CT XXXX