davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

Last year I received a report from XXXX XXXX on the number of qualifying payments I have made towards the Public Service Loan Forgiveness Program. They reported I had made 29 qualifying payments. The documentation I have shows that this is inaccurate, and I have made at least 46 qualifying payments. I asked them to recalculate my number of qualifying payments and they told me on XX/XX/XXXX, " We submitted a request to have a detailed Public Service Loan Forgiveness ( PSLF ) Payment Tracker sent to your email address on file. Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. Please allow up to 70-90 days for your request to be processed. '' I waited the 90 days and had not received any information. I followed up and asked when I should receive the information and they responded on XX/XX/XXXX with a request to allow 70-90 days. I responded to their email and told them the 70-90 day window has already passed and I wasn't anticipating that they would expect me to wait an additional 70-90 days. They responded on XX/XX/XXXX that it was in process but did not provide any information on when I should expect to receive the updated repayment tracking. I responded and asked for a timeframe for when I should expect to receive this information. XXXX XXXX responded on XX/XX/XXXX stating that gathering the information " can sometimes take a great deal of time. '' I requested to have the information by XX/XX/XXXX or I would have to move forward with filing a complaint. I waited an additional two months, hoping they would complete the detailed tracking and to avoid the process of filing a complaint. I still have not received any information from them as of XX/XX/XXXX. If they do not calculate my payments correctly, I will be forced to pay beyond the 120 payments to complete the PSLF program. If I refuse to pay after the 120th payment ( per my calculations ) then I will default on the loan and will no longer qualify for loan forgiveness.
Consumer complaint received 2021-07-20
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. (AL)

I mailed Experian a letter disputing XXXX XXXX XXXX XXXX on my credit report. They came back and said this account was verified. I wrote them another letter XX/XX/2021 asking how the debt was verified. They stated it was verified by the company but not how it was verified. I wrote them again on XX/XX/2021 asking how was the debt verified. They wrote back again stating that it was verified but not how it was verified.
Consumer complaint received 2018-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

I spoke to Citizens Bank at Length about my account this week because it was paid past Thursday into Friday which is a banking business day and there is absolutely no reason for there to be a delay in receiving my settled in full notice so I can start new business accounts and start my payroll account with XXXX. 

Citizens Bank alledges that the payment did not post until XX/XX/XXXX but when I spoke to XXXX XXXX XXXX manager at XXXX, SC he informed me that the matter was paid last week. There is no evidence otherwise. the reason I mention this is I believe that there may be a NY or SC collection law at state level that states a Settlement in Full or Payment in Full Letter must be mailed in a reasonable manner. I believe the legal definition of this matter was 15 days maximum, not business days, but calendar days. If the banks holds true to their 10 ( ten ) days holding time, the matter will not be resolved within the 15 days as prescribed. I have given the bank the email address of XXXX and I was told that this would be emailed to me when available. Not receiving this document stops me cold from the ability to open a business bank account which stops me from opening an account with XXXX and that stops me from hiring people. 

There was a high level of harassment and unprofessional behavior during the call, to the point where phrases like, " you took our money and didn't pay it back '' which is an allegation of theft. Then the collection agent appologised and admitted her act. Harassment of this nature is a violation of Fair Debt Collections Act, or possibly state laws in NY, where the account was opened and closed. If no other fact, the behavior was not an accurate statement, as it was paid and all I am looking for is the documentation that is required to edit my XXXX report.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson and Kennard (CA)

XX/XX/21 I received an alert from XXXX  about an increase of {$1000.00} on a XXXX XXXX Credit Card # XXXX. I called XXXX XXXX and they confirmed that this is NOT my card, nor am I an authorized user. After research, I discovered this was my adult sons card, which was charged off. He gave me the last four digest of the card and I called XXXX XXXX back on the automatic call line using that number. It transferred me to an attorneys office : Nelson and Kennard, who bought the debt. I called them to tell them to remove the information from my credit, but they would not speak with me. They had NO right reporting this debt to my credit report!
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent letter to each credit agent stating that they need to send information obtaining this information via mail. And I didnt receive any type of validation from any bureau. I was just told they will not remove. But they wont send any proof of where they got this information. And they are required by federal law to provide court documents directly from the court to put on my credit. Or a signed document from myself. Per the FCRA 623 ( a ) ( 5 ) : If the credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify-through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Consumer complaint received 2021-07-20
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Michael Harrison, Attorney at Law (NJ)

This company has claimed to have previously acquired my location and admitted to violating my rights by contacting me without previous consent from me. In addition, harassing me through mail pursuant 15 U.S. Code 1692c. 

Per my last complaint, this debt collector has violated several of my federally protected consumer rights including : 15 U.S. Code 1692b ( 5 ) 15 U.S. Code 1692e ( 3 ) 15 U.S. Code 1692 ( b ) -- ( two occurrences ) 15 U.S. Code 1692e ( 7 ) 15 U.S. Code 1692e ( 10 ) 15 U.S. Code 1692g.a ( 3 ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1605 ( 1 ) The debt collector has responded to my previously complaint rather quickly and without having provided any supporting documentation to support their disposition. Having disclosed that they willfully furnished information to the credit reporting Agency, XXXX, when it is incorrect is now in violation of my FCRA in addition to the plethora of FDCPA violations. 

To add, this debt collector to whom I have no business, obligation, nor have previously conducted a consumer credit transaction with, should know that pursuant 15 U.S. Code 1692G ( c ) failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Consumer complaint received 2021-07-20
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 two accounts on my credit report that are reporting incorrect information that is withholding me from seeking new lines of credit. I have disputed these two alleged accounts with Experian on XX/XX/2021. The 1st account is from XXXXXXXX XXXX and there are numerous errors reporting such as the balance, & payment history. The 2nd account is XXXX XXXX and the payment history reporting is incorrect on this account. Since sending the letters on XX/XX/2021, I did not receive a response from Experian within 30 days as required by law. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. Attached is the certified mail showing proof of my disputes. I have tried relentlessly to remove these accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

Citibank ( Home Depot Credit Card ) attempted to send me a refund at the end of last year by transferring {$100.00} to my bank, XXXX XXXX XXXX. My bank rejected the transfer. On XXXX, XXXX, I received a Statement indicating that a payment of {$100.00} was due. I called on XX/XX/XXXX to explain that I did not receive the transfer and was told it would be corrected in 7 days. It was not corrected. Every month since I've received statements indicating that a {$100.00} payment was due, and every month I called to report the error, and every month I was told that the error would be corrected. I have spent countless hours on the phone futilely trying to get the error corrected. Last week, I was told it would be fixed this week after I faxed 6 months of Banks statements to prove that I never received the transfer. Today, I was told it will take 15 business days. There is no reason to believe them because I've been told that countless times. On XX/XX/XXXX, 10 days from now, Citibank will report " my '' late payment to the credit reporting agencies.

I have no written record from Citibank ( other than my notes of my calls ) because they do not issue a claims number for tracking. I have to rely on Citibank 's phone log and customer recordings. Citibank 's Customer Service system is broken. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-28
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. (PA)

I have send several letter pertaining to this matter already, along with copies of the police report. 
XXXX XXXX Account # XXXX Balance {$500.00} Opened- XX/XX/2019
Consumer complaint received 2023-01-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Aqua Finance, Inc. (FL)

XXXX XXXX XXXX XXXX monthly billing statement, the consumer has the right to the following : " Your rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all the following must be true : ( a ) you must have made the purchase in your home state or, if not within your home state, within XXXX miles of your current mailing address, and the purchase price must have been more than {$XXXX} ( these limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services ) ; ( b ) you must have used your credit card for the purchase; and ( c ) you must not yet have fully paid for the purchase. If all of the criteria are met and you are still dissatisfied with the purchase, contact us in writing at the address listed on your statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent ''. 

I reached out to XXXX XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX stating that I was not happy with the credit card purchase since learning the company that sold me the soft water treatment tank that is being financial by XXXX XXXX XXXX. The company XXXX XXXX XXXX was not authorized to sell XXXX XXXX XXXX XXXX as they was fired as an authorize seller due to fraud. The XXXX XXXX XXXX XXXX that was installed was installed incorrectly and was not properly working from XXXX until I leaned of the issue in XX/XX/XXXX. Furthermore, XXXX XXXX XXXX did not fully disclose the finance company nor allow me the opportunity to find other financing. This company received unlawful kickbacks for steering customers to XXXX XXXX XXXX. I have attempted several times to contact XXXX XXXX XXXX to request the clear the remaining balance and report paid in full to ALL XXXX credit bureaus per their guidelines that is printed on each billing statement, however, they have not responded and each time I call I am mysteriously placed on hold and call drop.
Consumer complaint received 2019-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc (CA)

On Friday XX/XX/XXXX i called to make a past payment for XXXX since Im Behind and they charged the wrong account I have not used in over 4-5 months that I told them to remove as it is no longer an account to use. They charged the old account overdrawing my account by over {$3500.00} and I was hit with over {$100.00} in overdraft fees. I called to address the issue with no help and getting the run around I would like a refund of the XXXX to that account plus the {$150.00} in overdraft fees as a result so they can bill the correct account. No one has tried to help or resolve the issue.
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Date : XXXX/XXXX/2017 Attempted to obtain Equifax Free Credit Report online due to inaccurate information. Equifax has consumer fill out online form but nowhere on form does it specify reason for obtaining " free credit report '' ( e.g. inaccurate information ). When you get ready to get online report the website states " free credit report not available online '' ; then in other areas Equifax tells consumer the free report is available online. 
This is a tremendous disservice to the consumer who is trying to get the free credit report either annually or for those with a reason ( inaccurate information, unemployment, etc. ). In my opinion it serves as a way to dissuade the consumer from getting their report. 
After all the problems EQUIFAX has had that has done damage to the consumer you would think they would go above & beyond to serve the consumer. They should be put out of business if they ca n't do what they are supposed to do as this is negatively affecting the consumer.
Consumer complaint received 2018-04-05
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: AMERICAN HONDA FINANCE CORP (FL)

I FIle a dispute with XXXX XXXX XXXX, as they have a Report from Honda financial there. Honda and I had a dispute for a car got into an accident which Honda sold me a GAP insurance which they forgot to process and left me withut insurance for 4 months after the crash.

I disute with Honda through XXXX and was at the middle of trying to negotiating, I did offer Honda to pay the {$80.00}. same aount I would had to pay if they had processed the proper Gap Insurance I had paid for. Honda Vindictively sold my Account to XXXX XXXX XXXX XXXX XXXX in the middle of negotiation and ACCORDING TO THE FAIR CREDIT REPORT ACT ONCE ONE SELL THE ACCOUNT ONE NO LONG HAS OWNERSHIP AND NEED TO REMOVE IT FROM THE CREDIT REPORT.

i DID REPORT IT TO XXXX THAT Honda needs to delete everything from my credit report as they sold this account and XXXX   has not removed it. 

Honda needs to remove it as it is ilegal to remove it also Thank you
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. (NY)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. ( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2017 Balance : {$XXXX}.
Consumer complaint received 2020-07-10
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. (CA)

XXXX XXXX XXXX XXXX have wrongfully placed a collection account on my XXXX, transunion and XXXX credit bureaus.The collectors responded in CFPB complaint XXXX that I had electronically executed a lease in XX/XX/2017 resulting in the debt.I did not execute this lease nor give anyone permission to do so. 
I have attached an FTC report and affidavit along with the CFPB complaint.
Consumer complaint received 2018-04-05
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: Onity Group Inc. (NJ)

Ocwen erroneous reported me as 30 late for XX/XX/XXXX and XX/XX/XXXX. I raised my hand XX/XX/XXXX and my credit report is still wrong. My score dropped 40+ points. I am presently in the process of refinancing and when my lender received notice of the mortgage late, my interest rate increased from 4.1 % to 5.378 %. 

Also in XX/XX/XXXX, I obtained a modification with Ocwen and my credit was not suppressed while I was in an approved workout which is also affecting my credit and my escrow was not spread correctly leaving me with an escrow shortage.
Consumer complaint received 2021-06-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

Wells fargo has to be the most INSECURE bank in the industry. This is my 2n complaint about FRAUDULENT XXXX transfers being my from my account. Wells fargo has failed to reimburse my initial claim on XX/XX/XXXX for XXXX now someone has hacked into my account and sent over XXXX total via XXXX. I have transferred over {$100000.00} out of my wells fargo account and I am in the process of transferring the rest of my money out about {$20000.00}. I am looking for Wells fargo to refund ALL of my money back to my account. I am going to the POLICE department and the FTC and the CFPB this is RIDICULOUS! 

Claim number : XXXX. Please stand by for CFPB case number.