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: Experian Information Solutions Inc. (NY)

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 E oscar 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

Student loan was originally made from Sallie Mae now Navient. We, myself & co-signer receive at least 2 phone calls per week & numerous e mails plus mails regarding these loans. They have been in forbearance/deferred to the max and currently the harassment has been overwhelming. I have spoken to them numerous times explaining our current situation which is, my mom & co-signer was diagnosed with XXXX XXXX & can not work nor receive any income from XXXX. Because of this unfortunate issue, I have taken over not only all the household expenses, but my mom 's expenses plus my own. My husband works part time & he pays his own expenses as well as some household expenses. In XX/XX/2019, I fell at work & XXXX  XXXX XXXX which recently I had XXXX on & am currently on XXXX XXXX for the next 12 weeks. Whenever I speak to Navient and try to work something out, they do get very nasty & ask how I pay my other bills or tell me about a higher power to pray to. This is not sitting well with me at all. This past week I received 2 calls XX/XX/XXXX & XX/XX/XXXX 6 days apart & the rep. dismissed my comment about it, 8 emails plus my daughter received the same, then paper mails we both received. We are fully aware of the debt owed however, we are trying to work with them & are very demanding & get a little personal. And the phone calls keep coming.
Consumer complaint received 2020-09-04
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: Experian Information Solutions Inc. (CA)

I have filed disputes with the experian, XXXX  and XXXX  I have yet to get an response from them. I realize things are slow right now they can still reply within the time allow by law
Consumer complaint received 2021-07-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Per tracking, tts been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Accounts receivable reporting higher balance than the credit limit shown. Also, how are they going to report a medical account, they have no medical release to collect on this account and needs removed upon receipt.
Consumer complaint received 2019-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (SC)

As I reviewed my credit reports I noticed SCA Collections was reporting a collection account on my credit. I never had any dealings with SCA Collections nor any type contract with them. I disputed the item with the credit bureaus and the item came back verified. still unsure of this debt and most certain i do not owe them i reached out to SCA Collections personally requesting proof of supporting documents they had to show me owing them and demanding that the item be removed from my credit reports. SCA Collections replied back that they didn't have substantial proof and that they're just a debt collector. If I wanted any additional information that i should reach out to the company they are collecting on behalf of directly. I called the company directly and they said they couldn't discuss anything and that i should contact SCA Collections directly. this item should be removed from my credit reports immediately as I do not believe this to be accurate or factual and have received no Information from SCA to prove they are.
Consumer complaint received 2017-12-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Fair Collections and Outsourcing has reported a collection on my credit report for {$1800.00}. I requested validation of this debt to which they sent me a copy of the lease agreement from XXXX XXXX XXXX XXXX XXXX which clearly shows that it was NOT MY SIGNATURE AND THERE WERE NO PAYMENTS FROM ME NEITHER IT DID LIST MY SS #. I disputed this account as fraudulent, sent them copy of my id with my name and actual signature to both XXXX and Fair collections. Their response was " it is accurate and we are not obligated to validate or respond to you '' ... see attached proof this is illegal collection now they are calling me at home, work and my parents threatening to take me to court. this needs to be stopped!
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

After filling out all the info on Equifax free online credit report site and answering their questions they said they can not do it online and now I have to fill out lots of personal info and send a copy of my W-2 form to them to have a report mailed to me.
Consumer complaint received 2023-01-09
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-19
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. (PA)

Experian has on my credit report by Experian your accounts that may be considered negative in which makes no sense by them that it would be XXXX 2022 before the account is scheduled to got to positive status there has not been a late payment on XXXX XXXX credit card in over 24 months so why would it take 5 years from now to go to positive in which is stated by Experian on my credit file. 

So how does it take 7 years for an account to go to Positive which is stated by Experian on my credit file. 

Experian XXXX : Your account that may be considered negative ( Continued ) As stated by Experian.
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. (NY)

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 E oscar 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (CA)

Back in XX/XX/XXXX I noticed a collection on my credit report, I sent a debt validation request to Americollect at XXXX XXXX XXXX XXXX XXXX, WI. XXXX on XX/XX/XXXX and was received by collection agency on XX/XX/XXXX. XXXX. They did not validate the debt, instead they sent me a bill. That is not validation of a debt. Thats why I want to file a report. They are still reporting this on all XXXX credit bureaus. There violating my consumer rights. So Im requesting help to get this issue resolved. Also I sent them a second debt validation letter on XX/XX/XXXX and was delivered on XX/XX/XXXX. They still haven done anything to resolve the problem. Im attaching all documents that Ive sent Americollect.
Consumer complaint received 2017-12-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I have been communication with XXXX XXXX XXXX for the past few weeks requesting written proof that my debt has been paid off and they keep ignoring my requests. They keep telling me to call in three business days and when i call they still deny to provide me with proof and tell me to call back.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (VA)

Marcus is up to their old tricks again. I've been trying to get all my money out of that place for over two weeks. Apparently, they don't like that because they continue to decline to execute my transfer instructions.

Three days ago I received a call from XXXX. She was very professional and very apologetic. She assured me that Marcus has resolved all their internal problems, my accounts would be immediately unfrozen, and my transfer requests would be honored going forward. That turned out not to be true. Today I received a call from a XXXX  individual who said his name was XXXX. He asked if I had authorized a {$22000.00} transfer to XXXX XXXX. I confirmed that I did. Then he asked me a series of questions which I dutifully answered correctly. Then he declared that he had decided to decline my transfer, refused to tell me why, and hung up on me. So, I called into their Security department and talked to XXXX, who claimed to be the XXXX of that department. I got the same treatment from him, interrupting me, then telling me I could not have access to my money before he hung up on me. 
I'm still trying to figure out why they called me. After verifying that I was the depositor and my intention was to transfer MY funds to XXXX XXXX, they still insisted on preventing my transfer instructions to go through. Makes no sense. Are they running low on cash over there?
Consumer complaint received 2021-03-29
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. (GA)

Identity Theft & Fraud, that was never blocked, these accounts were joint accounts with my husband, on my account. Duplication accounts, Inaccurate accounts. Account Information incorrect, on loan balance, payment amount.
Consumer complaint received 2019-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aldridge Pite, LLP (CA)

My mortgage company hired their own substitute trustees who effectively helped them steal my house! And I believe they breached their fiduciary duty by failing to act in a fair manner! They not only didn't do their own research to even see if the bank actually held the loan on my house which I don't believe they did or that maybe it was paid off when the original borrower died, but they followed suitin not talking to me at all about anything and treated me as if I had stole the property when I deeded it to myself to get all the deceased people 's off it. Then they refused to let the program " Keep Your Home California '' pay them off and wouldn't issue the surplus money to me saying they would spend every last dime of it if they needed to find my companions son, and only if he didn't want it would I even have a chance. Then they straight up treated me as if I stole the property when I needed itto myself in an attempt to drop all the deceased people and get them to talk to me. Ultimately the funds were deposited with the courts for them to distribute after they had taken as much as they possibly could leaving me to patition the courts over 8 months later for it. And my question is why did they treat this whole thing like it was personal and why did they treat me so unbelievably cruel?
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/year> -- Someone called me, claiming to be from CFPB, allegedly with regard to case # XXXX. This individual had far more knowledge of my social security number and credit card numbers than I am comfortable with an outsider knowing. Is this a legtimate call from your agency or some kind of scam?
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Financial 's credit cards ' online account management system has a major flaw that can result in consumer confusion leading to mispayment of amounts due. 

Synchrony uses the same underlying online account management system across multiple products. As a customer for multiple Synchrony products, I discovered that the system does not correctly handle a customer closing an online account management session for one product and initiating a subsequent session for another product. 

Example : A user logs into their XXXX 's XXXX XXXX account, then closes the XXXX 's web browser window and opens a new browser window for their XXXX account and logs in. Even though the branding and account information will appear correct for XXXX, Synchrony 's system will still display the statement balance information for the XXXX 's XXXX account. 

Obviously, displaying the incorrect balance information to the customer raises the likelihood that the customer will pay an incorrect amount, leading to either underpayment with associated interest charges, etc., or otherwise overpaying. 

I reported this problem directly to Synchrony on XX/XX/XXXX and was assured they took the problem seriously and would address it as soon as possible. As of XX/XX/XXXX, I can confirm that this flaw still exists. I believe this is an unacceptable problem to leave unfixed as it exposes unwitting consumers to substantial financial consequences.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

For over ten years now, XXXX  has denied me direct access to my credit file with the except when I am attempting to apply for credit through a third party. I.e a credit card company, etc. 

Information continuously being reported by XXXX reflecting my both my employer and phone are incorrect. 

There should be no other employer on record order than XXXX XXXX   XXXX & XXXX, XXXX. And my phone number is : XXXX. 

XXXX must lift the fraud alert on my credit file immediately. I did not request it. 

Thank you!
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (VA)

I made a purchase from XXXX XXXX on XX/XX/XXXX, in the full amount of {$350.00}. {$71.00} was on a gift card and {$280.00} was charged to my credit card. The order consisted of 13 items and 1 item shipped separately which I did receive but the other 12 items I have not received. The package said it was delivered on XX/XX/XXXX. The package is nowhere to be found I checked with neighbors and my spouse who I live with and no luck. I contact XXXX XXXX on XX/XX/XXXX, and was told they opened an investigation with XXXX and to wait until XX/XX/XXXX, and if the package still doesn't show up to contact them back. I contacted them back on XX/XX/XXXX, letting them know the package was still missing and was told they were still working with XXXX. I contact XXXX on XX/XX/XXXX, and was told the investigation has been completed and that they informed XXXX XXXX that the package was not located. XXXX told me I would have to contact the merchant in regards to a refund or replacement. XXXX XXXX contacts me back on XXXX XXXX denying a refund saying I have a bad order history. In XXXX I purchased an item that never arrived and they refunded me for the items and they consider that " bad order history '' something such as shipping is out of my control. They suggested I change my shipping address which is what I did with this order on XX/XX/XXXX, since I had a problem with them last year. They have since refused to replace or refund my items and they have been ignoring all of my emails and refuse to let me speak with a supervisor or manager.  I reached out to my bank Barclay card and opened a dispute however they denied the dispute and can not even provide me with reason. I'm frustrated and at this point may even close my account with this bank once I pay off my balance. I was charged for merchandise I have still yet to receive and my bank which I been with since XXXX and a company I shopped with for years have no care in the world.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (CA)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, California XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TN)

On XX/XX/XXXX, I called and spoke to My Great Lakes representative. I requested all my XXXX & XXXX optional loan payments to be refunded ( 22 payments totaling {$11000.00} ). I was told 30 days. ( 30 business days would have been Friday - XX/XX/XXXX. ) I have waited over 44 days ( 30 business days ). The servicer is not providing my refund within a reasonable timeframe. The servicer is not fulfilling refund requests in the order that they have been received.