davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (PA)

I XXXX from a four-year program at XXXX in XXXX. My student loan debt total was {$26000.00}. My loan has been managed by AES. 

It's been difficult repaying the loan, but we have never defaulted. 

As my wife also had a small balance left on her student loans, we were advised by AES advisors to do a Spousal Consolidation of our loans ( a program offered by AES at that time ), which we did in XXXX. 

In XXXX, the Spousal Consolidation loan program was abandoned as a bad idea - no new Spousal Consolidation Loans would be granted, but those of us with Spousal Consolidation Loans would remain status quo- with our Spousal Consolidation loans intact as such. 

I began full-time employment at XXXX in XXXX. Around XXXX, a coworker told me about the Public Service Loan Forgiveness program. Under the PSLF, student loans would be forgiven after 10 years employment in public service, and we were thrilled to discover that my work at XXXX would qualify as Public Service. Indeed, I served XXXX XXXX XXXX XXXX wholeheartedly for 13 years. The work at XXXX  was long and hard - pretty much XXXX with no time off and was indeed service related. I resigned in XXXX after 13 years of service. 

My wife and I began looking into PSLF in around XXXX. 
Our AES Advisors informed us that Spousal Consolidation precluded us from PSLF!

We were not informed about this at the time of our Spousal Consolidation.

Recently, President Biden 's initiatives have provided an avenue for all public service workers to benefit from PSLF by granting the ability to un-consolidate and refi their student loans into the Direct Loans Program.

AES has restricted Spousal Consolidation Loans from this refi into the Direct Loan Program. Clearly, they are disregarding the intent of the PSLF Program and are using any means they can invent to retain as much loan repayment income as possible. Indeed, while my original loan balance was {$26000.00}, my total balance is now $ XXXX - while, because of interest, I have repaid {$100000.00} to date. At this rate, I will never be able to satisfy this debt and will pay on it for the rest of my life. I thought the US backed Student Loan Programs were intended to educate us. In actual fact, these programs are a way for AES and other government finance agencies to earn income from American Citizens.

We were told by an AES Advisor that when the Spousal Consolidation Loan Program ended, all individual loan records were destroyed prior to Spousal Consolidation, thereby eliminating any reference information by which the loans could be un-consolidated.

A few weeks later, we were told by a different AES Advisor that this was not true, that the Advisor who gave us this info didn't know what they were talking about, and directed us to a page within the AES website which documented all of our loan information from the very beginning of our loans.
Consumer complaint received 2020-08-19
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. (AR)

I have the app credit karma to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$420.00} XXXX XXXX {$640.00}
Consumer complaint received 2021-04-27
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)

XXXX XXXX XXXX  is reporting account number XXXX on my credit. I do not own this account. I don't have any information on the account. The bank can not provide any proof of ownership or a full account number for investigation. I have tried disputing this account but the bank is failing to provide any information besides statements that do not contain the full account number.
Consumer complaint received 2018-09-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frost-Arnett Company (GA)

Dear mam or Sir, Id got XXXX in XX/XX/2014 at XXXX XXXX XXXX. A few months later I received bill from XXXX XXXX XXXX XXXX XXXX  XXXX. It was {$1900.00}. My insurance company did not pay for that. Because, they said that it was out-of- network for the XXXX.I never know that because nobody explained to me that before XXXX. I think that they were miss communicated each other between operator and hospital.SO, my insurance agency and I was contacted so many times to my doctor who XXXX on me.. Because we needed to know what was going on. But Dr who never responded to us for that. Finally, I received letter from debt collection agency. Also, my credit is got bad score now because of that. 

Sincerely,
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express has caused an adverse effect their error led to a poor reflection of my credit history. How can they claim that its an internal system error, and choose not to inform the consumer? They claimed there was a letter was in the mail on XX/XX/2019 with an explanation ; the letter arrived today, XX/XX/2019, and is dated XX/XX/2019, after my initial complaint. Various attempts to get an answer were disregarded. XXXX ( # XXXX ) contacted the back office who outright refused to discuss this issue with me. This egregious behavior is outlined in the Dodd-Frank act : UDAAP. 

American Express increased my available credit, notified via email, then decreased it in the same month WITHOUT any notification. They're intentionally being unclear as to why they screwed up my account and impacted my credit score.
Consumer complaint received 2019-11-01
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. (PA)

I am victim of identity theft and followed every step in the Recovery Process on the Federal Trade commission 's web page to no avail. 
I received a letter from Experian telling me they can not remove the derogatory merchants rom my report yet I sent them tie letter from FTC SEVEN times! The last time certified mail return receipt requested but when they told me they received it, I think I threw it out. 
The letter stated that I made report in err or a nd should pay my bills!??? 
This has been going on since XX/XX/2019!
Consumer complaint received 2020-05-22
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. (FL)

I have filed many complaints and police reports for a XXXX   account that is being reported to my Experian and today finally I was able to actually speak to someone in the ( special services department I was informed that since my file was previously mixed with someone else that that department would now always be the only ones to take my calls she also told me that I was not able to dispute an address on my file that was clearly fraudulent and did not belong to mw because it was tied to the XXXX account! she refused to dispute that address for me and she said there was nothing I can doing asked her for her supervisor which is yet to call me her nam was Ms.XXXX in team XXXX  she also refused to assist me with other accounts that they are reporting wrong although the creditor is verifying with them that it is wrong! XXXX XXXX they are reporting late and self lender and bother creditors say that they can. not help me because thats not what they reflect on their end so what am I supposed to do? she also explained to me that she was not accepting my police report because I called them and out to my home how else was I supposed to inform them of what the problem was the report was in person but she still refused to accept it!
Consumer complaint received 2020-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On XX/XX/2020 Portfolio Recovery Associates illegally put on my credit report a debt that I do not owe them nor the original creditor. I was never notified that they brought a debt that was already deleted years ago.
Consumer complaint received 2021-01-22
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. (CA)

On XX/XX/2020, I sent Equifax, XXXX  and XXXX a letter to perform an investigation and review the accuracy of the account, XXXX XXXX XXXX. I am still seeing a monthly payment on a closed account and moreover, they re-aged the closed date and are reporting both on time payments and " repossession '' on my credit file. This information is misleading and inaccurate because they should not be reporting anything on my file after the account has been closed. Due to their negligence, i am now asking that this account be removed from my credit report because no notice of dispute was entered on the remarks section which violates my rights as a consumer.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo seems to have retracted the payment of my direct deposit from my savings account, now reflecting a negative balance. The discrepency is nored tobe a system wide glutch with no time as to the remediation of lost funds.
Consumer complaint received 2020-10-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I put in a dispute with Equifax on XX/XX/2020 about errors on an auto loan account through bridgecrest. It is now XXXX XXXX, 2020 and the dispute is still open and active with no response from Equifax. I had ask for this account to be removed before because it has constantly been reported with errors that Equifax have failed to fix. Now equifax have gone well beyond the 30 day mark that the Fair Credit Act requires them to abide by.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (UT)

US Bank needs to verify how they did a complete and accurate investigation to the credit reporting agencies under section 623 A. If you use the EROscar system you did not properly do a complete and accurate investigation and the reporting of the account needs to be removed promptly. Continuing use of the E-Oscar system as a form of verification validates my rights and I will seek litigation
Consumer complaint received 2019-11-01
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. (AL)

I've been having issues with getting the bureaus to correct the information on my reports. There have been no validation or supportive documentation showing the accuracy of these accounts relatable to my personal information.
Consumer complaint received 2021-02-23
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: Bread Financial Holdings, Inc. (NY)

I have written XXXX XXXX XXXX XXXX letters to Comenity Bank regarding their reporting of a fraudulent XXXX XXXX account to the mailing address listed on my credit reports to advise them regarding the fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX XXXX XXXX XXXX XXXX  credit reports. The only communication that I have received from Comenity Bank was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Comenity Bank.
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conn 's calls me if I'm just one day late on a payment. I have two phone lines on my Conns account, and they call each line 3 or more times each. This is not less then 6 calls per every 12 hours ( XXXX XXXX - XXXX XXXX ). They repeatedly call me at work and at home. I have informed them that this is illegal and can cost me my job. They keep telling me that they can call me as long as I owe them money, and am at least 1 day late. I understand them giving me a reminder, but calling 6 or more times per 12 hours is just crazy! I would like to know how I can file suit against this company for harassment.
Consumer complaint received 2023-02-22
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. (IL)

I acquired my credit report and asked the credit bureaus to check and make sure everting was complete and accurate according tc 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agency which is experian did not modify or removed anything.

The date open is not correct, date last active is not correct one of my credit report, date of last payment is not correct on Experian reports Which is a violation. This is impacting me from moving forward to buying a car for my family. 
I attach my previous credit report and my new credit report to show how Experian violated my rights.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am writing to you with a heavy XXXX and a sense of desperation regarding the handling of my recent dispute with Equifax, one of the major credit reporting agencies. Despite my earnest efforts to rectify inaccuracies in my credit report, Equifax 's response has left me feeling utterly distressed and hopeless. 

In accordance with 15 USC 1681e ( b ), I diligently outlined numerous discrepancies in my credit report in a letter to Equifax, emphasizing my right to an accurate and complete credit report. However, instead of conducting a thorough investigation into these issues, Equifax simply stated that all accounts had been " verified and confirmed, '' without providing any meaningful explanation or evidence to support their findings.

Furthermore, pursuant to 15 USC 1681i 7, I explicitly requested a detailed description of the investigation process undertaken by Equifax, as I sought transparency and clarity regarding the handling of my case. Regrettably, my request was met with silence, leaving me in the dark about how my concerns were addressed and whether any genuine effort was made to validate the accuracy of my credit report. 

Moreover, it has become evident that Equifax has effectively violated 15 USC 1681i 5, which mandates the prompt deletion of inaccurate or unverifiable information from consumer credit reports. By failing to take appropriate action to correct the inaccuracies I have identified, Equifax has not only disregarded its legal obligations but has also exacerbated the financial and emotional strain I am enduring.

The impact of Equifax 's negligence on my mental well-being can not be overstated. I am struggling immensely with feelings of hopelessness and frustration as I face the prospect of being unfairly penalized due to inaccuracies in my credit report that remain unaddressed. The uncertainty and anxiety surrounding this situation are taking a significant toll on my overall quality of life, and I fear that without intervention, I may lose hope of ever achieving a resolution. 

I implore the Consumer Financial Protection Bureau to intervene on my behalf and ensure that Equifax fulfills its obligations under federal law to conduct a thorough investigation into the inaccuracies in my credit report and take appropriate action to correct them.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX ( All 3 Bureaus ) 30 days late as of XX/XX/XXXX ( All 3 Bureaus ) 30 days late as of XX/XX/XXXX ( All 3 Bureaus ) My credit has always been very important to me. When things started to get tight I went to XXXX XXXX ( a consumer credit counseling agency ) to help me manage my payments and to ensure that I could successfully pay off all of my credit cards without being late, including Capital One. Unfortunately, somehow Capital One reported me late for 3 months and it seriously damaged my credit. 

I enrolled with XXXX XXXX on XX/XX/XXXX. When I enrolled, the credit counselor determined what each of my payment amounts would need to be to ensure I would not be late on my obligations ( including Capital One ). On XX/XX/XXXX XXXX XXXX debited my account for the first time. The Capital One minimum payment of {$140.00} was due on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX paid Capital One just {$120.00}, which was {$19.00} less than the minimum payment. For some reason, Capital One did not accept the offer from XXXX XXXX until XX/XX/XXXX. This caused the very first 30-day late payment to be reported to the credit bureaus in XXXX. The Capital One account was still not showing that the minimum payment had been paid. Capital One reported this as a 30 day late payment to the credit bureaus in XX/XX/XXXX. 

When the XX/XX/XXXX billing cycle came around, the minimum due to Capital One was {$320.00} on XX/XX/XXXX. XXXX XXXX debited my account on XX/XX/XXXX and paid Capital One {$120.00} on XX/XX/XXXX. Capital One reported this as a XXXX late payment to the credit bureaus in XX/XX/XXXX. 

When the XX/XX/XXXX billing cycle came around, the minimum due to Capital One was {$320.00} due on XX/XX/XXXX. XXXX XXXX debited my account on XX/XX/XXXX and paid Capital One {$120.00} on XX/XX/XXXX. Capital One reported this as a 30-day late payment to the credit bureaus in XX/XX/XXXX. 

By the following month, the payments being made by XXXX XXXX were enough to catch the account up, but at this point the credit damage had been done. There were 3 rolling 30-day late payments which hit my credit report and severely dropped my credit score. 

Since this time, all payments have been made on time. However, the damage had been done.
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TN)

The original account holder is XXXX XXXX. This account has already twice been sold to collections and both times the tradelines have been deleted when my disputes were found in favor of me the consumer. They have once again sold the account to another collection agency Diversified Consultants. This is not an owed debt in anyway. I have not had XXXX XXXX since 2013 and all equipment was returned. As i have said this account has already been disputed and deleted before and this is another attempt to collect debt that should not exist. If the tradeline is not deleted as the previous two attempts have been i will be forced to file a civil suit against Diversified Consultants and XXXX XXXX.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I opened a credit card from Capital one Financial, kept it until XX/XX/XXXX and just before I made a final payment I called a Capital one Financial representative and asked him if there was going to be a fee for simply having the account opened, he replied no. This XXXX Capital One closed my account and due to this my credit score dropped XXXX points on XX/XX/XXXX. I was in good standing with them I had no missed payments. And now I get a letter from Capital One asking me to get their Data Security plan, and whats strange about this is they highlighted XX/XX/XXXX, the day my credit score dropped drastically. I think did this willing fully with my credit score drop only to get me on their plan. I had called their department and they kept me on hold for so long and the representative was giving me the run around. Some one please help. I will attach all supporting documents. Thank you!
Consumer complaint received 2020-09-06
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. (NV)

I was aware of this fraud account on my credit XXXX of 2020. I am not aware of where it came from or who used my information. Since XXXX 2020, I have been trying to get this account removed off of my credit.
Consumer complaint received 2020-07-25
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. (TX)

FTC Violations Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Box XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX State Highway XXXX XXXX XXXX, TX XXXX SANTANDER {$5600.00} XXXX {$0.00} RISE {$0.00} XXXX XXXX XXXX SPEEDY CASH {$1300.00} CREDIT XXXX PROGRESSIVE {$120.00} XXXX XXXX XXXX XXXX COMENITY BANK {$590.00} WAKEFIELD/EMERGENCY SERVICES OF TEXAS {$2500.00} CONSUMER ADJUSTMENT COMPANY/CHECK XXXX GO {$1200.00} CONSUMER ADJUSTMENT COMPANY/MONEY KEY {$110.00} CCS COLLECTIONS/PROGRESSIVE {$120.00} RMA XXXX XXXX XXXX XXXX {$26.00}