davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-25
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. (MD)

I disputed two student loan accounts on my credit report that is being investigated by the federal government under the Borrow Defense Program through www.studentaid.ed.gov. Under these terms, I have the right to request a stop collection on any student loans on my credit report. I have disputed these twice and I have provided the documentation detailing this to Experian. Experian has refused to remove these items from my report even after I called and spoke with them directly. Over the phone, a representative stated that they investigated my loans under a fraud investigation. I explained to the rep. that Experian did not review my documentation correctly, nor did they review the supporting documentation correctly. I am requesting that these loans and any future collections regarding these loans be removed from my credit report immediately.

This is the message I submitted to Experian : I am requesting that these accounts be removed under the federal government 's Borrower Defense Program : Stopped Collections Status. See borrower defense section at www.studentaid.ed.gov. Please remove the below accounts off of my credit report. These accounts are being investigated by the federal government under the Borrower Defense Program, the school I attended misled and engaged in fraudulent practices that resulted in me taking out these current loans. I have attached documentation for your company to review. XXXX Account # XXXX Account # XXXX
Consumer complaint received 2017-12-27
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. (MS)

I have sent numerous of letter for the company to validate the bankruptcy on my credit report and they fail to do so. I have ask them to proved written signatures showing the validation of the bankruptcy and they fail to do that as well.
Consumer complaint received 2021-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I am having issue on connecting to LoanCare over 3 weeks on my XXXX app. 
So yesterday I checked the website but the website is down. I also remembered last year I didn't receive a paper document XXXX Form for XXXX, I was able to call to get some automatic reply on how much interest I've paid for XXXX but I would like to have a paper documentation, Form XXXX, but the whole website is not functioning. 

I checked XXXX, there is numerous complaints about this company. I am worried I am paying monthly to a fake entity and I would like to get a statement monthly and also my yearly statement in paper.
Consumer complaint received 2018-03-25
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: CURO Intermediate Holdings (TX)

OnXX/XX/XXXX XXXX  XXXX, TX XXXX Also, On XX/XX/XXXX XXXX XXXX, FL XXXX  On XX/XX/XXXX XXXX ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX XXXX  ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX XXXX. pulled my credit.

I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter,
Consumer complaint received 2024-01-28
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. (CA)

I am writing to formally dispute the reporting of credit utilization by XXXX on my [ Experian, XXXX, or XXXX ] consumer report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. 

Upon reviewing my consumer report, I noticed that the line of credit I have with XXXX, specifically account number XXXX  - XXXX, is characterized as utilization. This reporting is illegal as it contravenes the stipulations of 15 USC 1681a 2 ( A ) ( i ), which clearly states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

In my case, the utilization reported is an experience between myself and XXXX - XXXX. According to the law, such transactions or experiences should not be included in my consumer report. By reporting this utilization, XXXX has violated the FCRA 15 USC 1681a 2Ai. 

I have previously reached out to XXXX - XXXX  regarding this matter, but they have refused to comply with the penal codes stated by Congress in accordance with consumer law. Therefore, I am demanding that XXXX update my utilization to 5 % or below or delete all utilization from the aforementioned account within 10 calendar days of this notice. 

Failure to satisfactorily respond with the deletion of the above utilization will compel me to take legal actions against XXXX. I will be seeking remedies for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Violations of the Fair Credit Reporting Act 15 USC 1681, specifically for willful noncompliance as outlined in 616 [ 15 U.S.C. 1681n ]. 
Furthermore, any attempt to close this account in response to my demand for the removal of the utilization from my credit report will be considered an adverse action in violation of 15 USC section 1691.

I expect prompt action to correct these inaccuracies in my consumer report. Additionally, I request written confirmation of your compliance with this request and a revised copy of my credit report post the deletion or correction of the disputed information.

Thank you for your attention to this urgent matter. Please feel free to contact me for any further information or clarification needed.
Consumer complaint received 2018-03-25
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. (IL)

have written, faxed and spoke with CSRs at all 3 credit bureaus agencies advised that I am a victim of fraud submitted police reports and Identity theft report affavaidts on numerous osscassion FTC Report # : XXXX   and XXXX and Experian " REFUSE '' to remove accounts that were a result of fraud which are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX The 4 accounts need to be removed for they do not belong to me.
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (TX)

On the XX/XX/XXXX, an American Express account manager contacted me around XXXX that night asking me to make a payment on my account! I had another week and a half before my payment was due ( the XX/XX/XXXX ). I had never been late or missed a payment before! In fact, I have been with American Express for 30 years! Meanwhile, he began telling me that based on their calculations I was not utilizing my credit enough and in order to continue to maintain my XXXX XXXX Card I need to make an early payment so that he can keep my account in good standing. At that point, I began explaining to him that American Express is not accepted by many merchants, which makes it difficult to use and that the annually fees are outrageous especially since I cant hardly utilize the card! Also, I told him that I dont give my banking informaton over the phone! After speaking with him a while he told me that he was reviewing my account and that in order to in good standing I needed to make a payment ahead of time so that it looks good on my account. At that point I was so confused, we continued to go back and forth! I told him that since I was not familiar with their policy I was gon na contact XXXX XXXX myself and make a payment! In good faith, i immediately contacted American Express and made two payments on both of my accounts! Afterwards, American Express decreased my credit limit! In my opinion, American Express is exhibiting unfair credit practices!
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I disputed their inquiry with Chexsystems and received a letter on XX/XX/2022 with a phone -number attached to the inquiry which is supposedly my phone number. Instead it is not and it is a- google voice number in which know one answers That number is XXXX. Additionally I NEVER inquired about a loan from XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX. I have attempted to call the number listed for your business and continue to be forwarded to a XXXX the number listed is XXXX I want the inquiry from Chexsystems to be removed because I NEVER attempted to get a loan from your company!
Consumer complaint received 2017-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (WA)

I received a call from XXXX claiming they were from Experian. They asked for me only by XXXX XXXX and did n't know my full name. They stated that I was past due for two dollar amounts, I believe one was for XXXX ( which is possible, I did n't stay on with her long enough to get more information ) She said that she would be happy to take payment for these two past due amounts using my bank account or credit card information. I then stated that I had already contacted them and hung up. I tried to call back and there was no identification of the company on the recording.
Consumer complaint received 2017-12-27
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. (FL)

I am a victim of Hurricane Irma. I have had 5 addresses in 3 states since XX/XX/XXXX due to Irma. I have been working on looking for transportation, a place to live and reducing my debt. As such, I have had to apply to a few financial institutions to see what my options are. 
**Hence all three credit reporting agencies are stating, 'Too many inquiries in the last 12 months '. That is unavoidable due to Hurricane Irma. Please help me remedy the issue. 
**I have no credit card debt or home loan, yet XXXX and Trans Union are reporting 'Proportion of balance to high credit on bank revolving or all revolving accounts ' is high. 
**I do not owe anything on any credit card or revolving accounts yet Trans Union is reporting 'Amount owed on revolving accounts is too high. ' **I have no delinquent accounts, yet all three reporting agencies are showing that I have recent delinquencies. I do n't have any revolving debt. I only have a car payment and I have not been late. 

Hurricane Irma has disrupted my life. I have always had impeccable credit and should not be punished further by credit reporting agencies by trying to recover from a natural disaster.
Consumer complaint received 2018-03-25
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. (IL)

have written, faxed and spoke with CSRs at all 3 credit bureaus agencies advised that I am a victim of fraud submitted police reports and Identity theft report affavaidts on numerous osscassion FTC Report # : XXXX and Equifax and XXXX  " REFUSE '' to remove accounts that were a result of fraud which are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. The 4 accounts need to be removed for they do not belong to me.
Consumer complaint received 2017-12-27
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: Experian Information Solutions Inc. (NC)

Experian was sent an initial letter of a problem on my credit report. They have been sent up 4 letters after they claimed to do an investigation and stated information was verified. They have been sent several letters asking for documentation. They only thing sent back is they have verified the information. After filing a complaint with CFPB they responded stating I would receive information only to be sent a letter stating they they were unable to honor my request based on the information sent. It was the same information that was sent when they stated they verified the information ; a copy of my utility bill, a copy of my social security number and a notarized letter stating my rights as a consumer, what I wanted from them and how I would like the issue rectified. Again ; Experian has not complied with federal law.
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (TX)

What Compliant? 
Lexis Nexis HealthCare Records What type of Problem? 
Negligent Phone Responses in gathering Data Records in a Dispute or Correct in Collecting and Selling Personal Information for the use on Credit Determination. 

What Happened? 
In XX/XX/1998, HR Managers at my Employment, ( XXXX XXXX ) Violated the Court Rules in Hiring Employees that ' are not. Entitled for Recruitment/Hire at my Place of Employment. Upon, my Forced Layoff and Number of Numerous attempts in Accidents, I was Forced to Relocate to XXXX XXXX, And then XXXX, Where ' Conditioning of Domestic XXXX and Domestic Finance made cause ' for the Continuing Conditions of aWrongful Death recognized ' by, Law Enforcement, Government Agencies, the Courts and Judges. 

What Company? 
Lexis Nexis Who is Involved? 
XXXX XXXX Lexis Nexis
Consumer complaint received 2018-03-25
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: SYNCHRONY FINANCIAL (TX)

XXXX XXXX issue me a {$1200.00} Walmart credit card. Within 45 days they lowered my credit to {$800.00} affecting my credit report and lowering it by 5 points. 

They claim is was because of increase use of my credit but I am also making 40 % more money. They did a poor job and most important it affected my credit rating protected under the FCRA. 

They had already ran a credit report 30 days earlier.
Consumer complaint received 2017-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MO)

OnXX/XX/XXXX, at the drive through window of US BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO, I processed a stop-payment transaction on a check for {$9400.00} I had made to a contractor who had done some work at my house. I determined that he had overcharged me, and when I telephoned him he became threatening. The stop-payment was suggested by my attorney. The check had not yet been submitted to my bank, so there should have been no problem. When the young woman at the bank 's drive-through window asked for the check information, I gave her the carbon copy of the check I needed to stop payment on. The check number was XXXX, but the young lady typed in XXXX and told me the transaction was successful. ( The number XXXX on the keyboard is accessed with the little finger of the left hand ; the number XXXX  with the little finger on the right hand. ) It was only a week later that I learned that she had typed in the wrong check number, when I received a letter from the bank telling me that the transaction was successfully executed. The check that the bank employee put the stop-payment on was not only for a much less amount, but it was more than 6 months old and had been paid long before to a different person. I first complained to the bank manager at the local branch on XXXX XXXX. When the bank would not provide any compensation for their mistake, I wrote a letter of complaint to the Missouri Division of Finance, which they forwarded to the federal Office of Comptroller of the Currency because US Bank is a national bank, which did n't even take my complaint seriously. Now the contractor will not even deliver materials already paid for, much less finish the work already paid for. Please help.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (PA)

This complaint is due to nonresolution of the prior complaint, ID XXXX. 

I appreciate XXXX XXXX 's response to my complaints filed through the Consumer Financial Protection Bureau and the Attorney General of Pennsylvania. I also appreciate receiving a credit of {$690.00} to my statement dated XX/XX/XXXX. 

In my original complaint ID XXXX from XX/XX/XXXX, I requested 1 ) that the error be corrected, 2 ) that any finance charges related to the disputed amount be credited to my account, and 3 ) that I receive an accurate statement. In Barclays Bank 's response authored by XXXX XXXX and dated XX/XX/XXXX, Barclays is unable to substantiate the claim that I continued to accrue finance charges related to the fraudulent charge. I am submitting a schedule that details substantiation for the claim that I have continued to accrue finance charges related to the fraudulent activity on my account ( encl B ). Additionally, I am submitting copies of the monthly statements showing the interest charges, monthly account balances, and my regular payment of those balances ( Encl B1-B7 ). 

You will see that my XX/XX/XXXX statement includes the fraudulent charge as well as a finance charge of {$22.00}. With each statement, I paid the statement balance less the {$690.00} fraudulent charge less the interest charged for the current billing cycle less the total prior interest charges. As you can see on my schedule, each month I paid the statement balance in full less the total amount that was disputed. 

As in my original complaint, I will not consider this matter closed until I am refunded {$180.00} in total finance charges related to the fraudulent charge. I attempted to call XXXX XXXX twice regarding this matter but received no response to the voicemails I left, so I am sending her the correspondence in writing.
Consumer complaint received 2018-03-25
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: TRANSWORLD SYSTEMS INC (FL)

XXXX XXXX spoke with respentstive in reference to fradulaent account on credit report. Representative advise me that the negative report will be removed from credit report and the report is still on present showing negative and it will not let me dispute due to inaccurate and the company not being able to prove when the services was conducted. I want this negative report removed from my credit report.
Consumer complaint received 2018-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

This student loan was obtained in XX/XX/XXXX. Since then t it has been in & out of forbearance for many reason, but mainly because I was a single mother. In XX/XX/XXXXI got married and due to my husband 's income I had to start repaying the loan. A few times I did receive more forbearance 's. XX/XX/XXXX I was XXXX XXXX XXXX  with my XXXX child and I received a call that my paychecks would be garnished if I did not start repaying the loan. At that time I set up automatic withdrawals. I completed their rehabilitation program. I was then granted another forbearance and it was only for a few months. I was not aware the forbearance ended and received 5 late payment reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Since that time I have been granted several more forbearance and made every payment due timely. Due to the fact that I was not aware nor received anything stating that my loan was due I feel that these late payments should be removed from my credit report. I have requested twice for these to be removed and Nelnet is acting unreasonably. Please help me. I will be paying for my XXXX XXXX loan probably until its time to send my own children to college.
Consumer complaint received 2022-03-10
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. (TN)

Item # XXXX XXXX Item # XXXX XXXX XXXX XXXX for Deletion According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
If you have any questions or need additional information, please contact me at address noted below.