davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
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: EQUIFAX, INC. (SC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-12
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. (OH)

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Had a unexpected charge hit my account for XXXX while overdrew my account {$1.00} and was pending. I transferred money into the account that evening when I checked my account. Again while the XXXX charge was still pending. But they didnt post my transfer till the next date.. again even though it was pending still when money transferred. Then the charged me a overdraft fee of {$35.00} for the {$1.00} overdraft even though the funds were transferred prior to posting.then as a result of the {$35.00} charge a small charge the next day hit of about XXXX and they charged another {$35.00} fee. The next day charge would not have overdraft XXXX if they had not charged the previous {$35.00} fee. Thus they cost me {$70.00} in fees for a {$1.00} overdraft that was corrected prior to posting. When contacted they just said the transfer wasnt dont till the next day, which is not true. It was done while the XXXX charge was still pending and not processed.
Consumer complaint received 2019-11-16
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. (GA)

I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 7 more  payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. 
I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXXmth The second company was XXXX and was late only 3 payments. 
I was late XXXX, XXXX, XXXX XXXX I think the fair solution would be to take all of the late payments off because it WAS IDENTIY THEFT. The theft destoyed my life and I want it back! My mom is XXXX years old and I need to take care of her but I need my credit back.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 7 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. 
I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXX The second company was XXXX and was late only 3 payments. 
I was late XXXX, XXXX, XXXX XXXX I think the fair solution would be to take all of the late payments off because it WAS IDENTIY THEFT. The theft destoyed my life and I want it back! My mom is XXXX XXXX XXXX and I need to take care of her but I need my credit back.
Consumer complaint received 2017-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (PA)

Affidavit of Denial XXXX XXXX XXXX COMMONWEALTH OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX Dear American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX Reference Number : XXXX Amount Balance : {$5600.00} FTC Identity Theft Report Number : XXXX Victim Fraud Assistance Department I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I deny this debt as I am a victim of identity theft. 

Please provide me with the following : 1. Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt 2. The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed 6.  Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
Consumer complaint received 2021-02-03
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. (TX)

I recently viewed my credit report and noticed inaccurate information and contacted Experian to update and correct my person information. After speaking with 2 representatives I was told that they could not remove any addresses and a wrong name from my credit report. I have never lived at the addresses that is reporting on my credit report. The addresses are showing three different states that Im not affiliated with nor have no knowledge of. I would like for these addresses and name to be deleted and removed immediately. 
Please delete to following addresses and name from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, LA XXXX
Consumer complaint received 2021-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY (MA)

I contacted my local branch office ( TD Bank ) on XX/XX/XXXX to pay off a personal loan in full. I was informed this could only be done in person. On XX/XX/XXXX I went to my local branch and made a payment for the balance of the loan. I returned home that night and checked my on-ling banking, the loan was no longer listed. Two days later I checked my on-line banking and saw the loan had been re-opened and an additional monthly payment ( {$390.00} ) was taken out ( XX/XX/2021 ). 
I called the bank to discuss this mistake. They explained it would take several days but the money would be returned to me shortly either by transfer or check. As of XX/XX/XXXX I had not yet received the surplus withdrawal back to my account. I called the bank again and was told the payment would be going out by check and I would have it within the week. 
As of XX/XX/XXXX I still have not received the payment. I called again and was told that the check was processed on the XXXX and I should receive it soon. 
While I hope this is the action that will occur I am unsure at this time. Having been lied to multiple times now by the bank and having them repeatedly change the date of the return of my money I decided to file this complaint.
Consumer complaint received 2019-11-16
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. (AZ)

XX/XX/2019, XXXX XXXX REFUSES to report to all 3 credit bureaus ( XXXX, Equifax and XXXX  ) that my installment car loan # XXXX, is paid and pays as agreed. 
Not closed- false information. XXXX XXXX NOT reporting accurately FCRA.
Consumer complaint received 2019-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

I work with Nelnet a Deptarment of Education assigned student loan servicer. I am currently on the standard 10 year term repayment plan. I made my first student loan payment to Nelnet on XXXX of this year. After making the payment I set up an auto payment to make payments from XXXX on. The reason for this autopay set up, was due to the fact that it reduced the rate on my loans by .25 %. On XX/XX/10 ( which would have been my first payment date ) the servicer pulled my payment for XXXX again. After calling the servicer requesting that they return my funds they said that they could not return the payment and those funds would be applied as an excess principal payment on my highest rate loan. They said if I requested they could turn off the autopay reapply the XX/XX/10 payment as a regulary payment to satisfy XXXX and to not turn on my autopay until after XX/XX/10. 1. to have an outstanding balance for XXXX doubles the interest due on the next payment date of XX/XX/10, and increase the amount of the final payment. 2. That whole time where I am not on auto pay my rate is higher. These predatory practices are ridiculous. Fortunately I have the financial stability to make the payment this month without an issue. Others may not be so lucky.
Consumer complaint received 2019-08-13
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)

EXPERIAN IS IN VIOLATION OF THE FCRA. I have written to Experian on several occasions disputing the fact that the items they are reporting on my credit file are incorrect and do not belong to me. Experian has responded by sending frivolous letters and continues to state that they have verified the accounts. Let this be a formal complaint against Experian for continue to report fraudulent/incorrect and inaccurate items on my credit file, that are not mine. I have been a victim of identity theft and have made several attempts to dispute certain information in my file with Experian as the result of the crime. The items I am disputing do not relate to any transactions I have made or authorized. I have filed a police report with XXXX County Sheriff 's Office and provided Experian with copies of the ID theft report on many occasions.
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

My husband and I have a mortgage with XXXX XXXX XXXX and we applied for a loan modification in XX/XX/XXXX and we have a signed contract stating that our loan modification has been accepted. The next month in XX/XX/XXXX XXXX XXXX XXXX sold the loan to a company called XXXX. In XX/XX/XXXX we sent in the new payment of {$1900.00} and Shellpoint accepted and cashed it. We sent in XX/XX/XXXX Payment of {$1900.00} to Shell Point and they accepted that payment as well. Then, we sent in XX/XX/XXXX payment but they returned the it and stated that we were not paying the right amount. We sent in XX/XX/XXXX payment and they also return to that to us and said we were n't paying the correct amount.

We have not paid the mortgage payment sinceXX/XX/XXXX because they keep returning the payment. Now Shellpoint is stating that they are not accepting the modification and they are looking to foreclose on our home. We have tried contacting the president of the company and we have tried getting him to accept our payment, but they will not accept our payments which has lead us to believe that they are trying to get us to foreclose on our home. 

We have told them that we would catch up on all payments if they would just remove the damage from my credit report. They have been reporting inaccurate negative information to our credit report and now even though we want to sell our home to a new mortgage company, no one will give us a new mortgage because of what Shellpoint has reported to credit bureaus. 

My husband and I completely are at a loss and feel like we are about to lose our home because Shellpoint company not willing to accept our payments or call us back after numerous attempts to talk to them. XXXX XXXX is the supervisor and she keeps putting us off and will not call us. We are completely stressed by the situation and have the money to pay our mortgage but they will not contact us back and we do n't know what to do. We have a new house that we want to buy in New York but the new mortgage company will not give us a mortgage because of the current situation. Although we explain to them that the company wo n't accept our payments they do not care. We have even contacted and attorney but they all want XXXX plus to help us. I will include all the contracts and documents and bank statements proving our payments and that Shellpoint is completely reckless and negligent in what they 're stating and reporting.
Consumer complaint received 2017-12-19
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. (LA)

On XX/XX/XXXX, I sent a request to Experian asking them to send me documentation regarding some accounts that were inaccurately reporting on my report. ( See the attached ). I never got a response from them. On XX/XX/XXXX, I sent them a request to follow suit ( See the attached ) and delete the accounts since they never provided me the documentation I requested and they had been removed from another credit bureau. On XX/XX/XXXX, Experian completed my dispute and only verified the accounts. They still have not sent me documentation I requested regarding the account and did not follow suit and delete them.
Consumer complaint received 2022-04-02
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. (MO)

On XX/XX/2022, I went to XXXX XXXX  located in XXXX XXXX to obtain a personal loan. The first thing they had me do is sign a piece of paper stating that they were allowed to run my credit. After the lady was taking my financial information we realized because of my lack of income that I would not qualify for a loan. Because of this we both agreed that it would be best if I tried to have my wife cosign on the loan. After speaking with my wife she stated that she did not want to go through with that. I received several calls from the company but I never answered. We had decided that we would not go through with a loan. After the company did not get a hold of me they still proceeded to run my credit check on XX/XX/XXXX several days after I left the office. When I went up there to ask why they did that they said they had already ran my credit that day. So I asked her if she ran my credit before I gave her all my information in which the obvious answer was no. Her statements were obviously false because when I left the office the lady and I both agreed that I would be denied. So why would they run my credit knowing that it was going to be denied? I have a video of the conversation with the woman that ran my credit which I can provide. If someone was to investigate this I'm sure they would find that that's her job to run credit checks. I feel this is dishonest, unfair, and quite frankly a waste of eveyone 's time because as we had both agreed with no income my credit would be denied. So why would they run my credit anyways? I would like an investigation into the matter. I would also like for them to reverse any damage they have done to my credit do to an unauthorized credit check. These companies should not be allowed to do things like this. I know I signed a piece of paper but as I stated earlier we both agree that I could not qualify for a loan without any income. Also to run my credit days after I come into the office because they could not contact me by phone is fraud. For them to have a customer sign a paper for a credit check first before they even gather information about the finances of the individual is a scam so they can get away with things like this. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (CO)

I have paid over 85 % of the debt, and I have contacted CONSERVE several times asking that the remainder of the debt be discharged and have my credit report updated. However, I have not heard anything back from them.
Consumer complaint received 2019-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

Please see unresolved issue in complaint XXXX where company stated they were " still working on '' accurately reflecting my payments toward PSLF. 

Dear Directloan, as my primary concern indicated, your dates for my employment are consistently wrong, and you have rejected my numerous attempts to have you correct same. Even when I follow the direct instructions of your representatives. Again, I left state service in XXXX of XXXX. Since I consolidated, I have always been in an IDR plan. Incidentally and secondarily, I have always paid my balance of $ XXXX {$380.00} and that is what I am able to afford. jumping from {$380.00} to {$1100.00} or even {$830.00} in one month is unconscionable and unrealistic for a single income household. I am attempting to rectify this situation. 

My primary concern is that I should be just a couple months short of PSLF eligibility based on my consolidation from XXXX into DirectLoan/FedLoan. Specifically, I worked for the Office of the State Attorney for the State of Florida from XX/XX/XXXX until XX/XX/XXXX ( 6 years ). I then worked for the Office of the Attorney General from XX/XX/XXXX through XX/XX/XXXX ( 4 years ) for a total of 10 years. All of this information is public record, and I also have wage verification in the form of W-2s and tax information. I have submitted employment verification for you to update this information ( for which I have proof of submission multiple times after XXXX ). In fact, I have sent in that form as recently as last month, and again it has been rejected because you state the employment section is not filled out, even though I checked the box to have YOU contact state HR since I am no longer employed there and am unable to have it verified as per their policy and following the instructions on the form and directly from your representative.