davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-01-18
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)

The Department of Education and XXXX have violated my privacy rights per the Family and Educational Rights per the Family and Educational Privacy Act of 1974. When I received my school money, I signed a privacy Act form that said the Educational department would not provide transaction history to ANY third-party companies. They violated my rights by providing information to the three credit bureaus : XXXX, XXXX, and Expiration. Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CO)

I received a debit card from usbankReliacard.com that I did not request. In order to deactivate it, I first need to activate it which I do not want to do. I understand this is fraud but can't get through to us bank to cancel this.
Consumer complaint received 2017-03-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (OH)

I had my XXXX in XXXX 2012 and received the XXXX bill shortly after. I paid the bill. I never heard anything again until last week ( XXXX XXXX week ) when i received a letter from a collection agency. I work out of state and I can not pinpoint the exact date the letter came. I opened it XXXX XXXX and called them XXXX XXXX. They said I was invoiced 3 times and never paid according to their records. I know I paid the bill but to go back to research it the bank charges more that the bill was for the copy of the cancelled check. The bill is for XXXX. I know for a fact that it is paid and i think this is a scam.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

Experian continues to report an account on my credit report that is over seven years old. It should be removed after seven years. XXXX XXXX account for {$3000.00} has been reporting over seven years.
Consumer complaint received 2016-08-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery Associates ( PRA ) operates illegally. Portfolio Recovery Associates , LLC Representing, XXXX XXXX XXXX. This company continues to harass me for an un-collectable debt. Portfolio Recovery Associates ( PRA ) may also sometimes make harassing calls. Harassment and abusive calls are prohibited by debt collection companies. Calling at " unreasonable times '' such as before XXXX or after XXXX. They use profane or obscene language during calls. I have numerous witnesses that have heard the conversations on speaker phone. This is illegal according to and under the Fair Debt Collection Practices Act ( FDCPA ), debt collection companies such as Portfolio Recovery Associates can not do the following mentioned above while trying to collect a debt. 
PRA is in violation of the Telephone Consumer Protection Act ( " TCPA '' ), using an automatic telephone dialing system ( " Autodialer '' ), for allegedly calling me on my cellphone without their prior consent. 
Portfolio Recovery Associates claims they have purchased the XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX credit card account ending in XXXX from XXXX ( " XXXX XXXX '' ) on or about XXXX XXXX, 2012. I have court records of an order to " dismiss with prejudice '' on this exact account ending XXXX and same amount from another debt collector. This order is valid and I will use it in the court of law against PRA if they continue to report to the XXXX credit bureaus that the account is open and they own the account. 
They have illegally purchased an old debt from original creditors who has already written off the debt and received a tax deduction for it. I have proved in court that this debt was not mine and it was dismissed with prejudice. 
According to my most recent credit report, Portfolio Recovery Associates is currently reporting to the XXXX credit bureaus. PRA needs to remove the inquiry from the XXXX main credit bureaus, XXXX, XXXX and XXXX. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. PRA needs to remove themselves from my credit report.
Consumer complaint received 2015-09-16
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (AZ)

My mother, XXXX XXXX XXXX, purchased a Certificate of Deposit in the amount of {$8000.00} from XXXX on XXXX XXXX, XXXX. She kept a lock box on her dining room table with all important documents. She passed away XXXX XXXX, XXXX. My only sibling and I decided to let this CD continue to mature. He and I agreed that I should remain custody of our mothers personal matters. He was a homicide victim in XXXX XXXX. He left no heirs. I have known where this CD has been kept since her death. I decided in XXXX to negotiate the CD as it is now 29 years old. I went to Wells Fargo ( who merged with XXXX XXXX in XXXX ) and presented the original CD and was referred to a banker who after seeing the item referred me to a different banker to help me. My mother left no will, so the bank sent me to obtain a " Affidavit for Collection of Personal Property '' I filled out the paperwork, had my signature notarized and returned to the bank. I was then informed that this issue would be " escalated '' to the branch manager. The bank made photocopies of all my paperwork and asked me to give them some time to " investigate ''. When speaking with the bank manager, XXXX XXXX, she agreed with me that the certificate is the original, I then pointed out to her several " highlights '' of this particular CD. ( at the top, it states " continuous-no renewal necessary '' and near the center of the document it states " upon presentation and surrender of this certificate ) ... please see the attached copy of the document ). I returned to Wells Fargo located at XXXX XXXX XXXX XXXX yesterday ( XXXX ) and made contact with the bank manager who told me that even though she had " escalated '' my case, the entity who she sent my case to has declined to negotiate this CD. I sincerely believe that my mother would have surrendered this CD, IF she had wished to negotiate this document. Wells Fargo is unable to offer proof of when they cashed this CD. XXXX XXXX ( before she sent a copy of the document to whoever could assist her in this matter ) agreed with me as I pointed out the phrase " upon surrender of this certificate properly endorsed '' clearly stated on the document that I was attempting to " surrender '' it. My belief is that this document : a ) has never been cashed ; no entity would " take someone 's word ( my Mom 's ) that they had not cashed it and give my mother the value of the CD plus any interest it would have earned, b ) was never lost by either my mother or myself. 
I feel that Wells Fargo should negotiate this CD ( face amount PLUS any and all interest earned for 29 years and 1 month ). 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX AZ XXXX ( XXXX ) XXXX XXXX ( cell )
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

How times do I have to send in letters to make unlawful reporting lawful? As a consumer I request to know all the steps your agency took to ensure these items were 100 % accurate. Under USC 1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I never received any documents which are required by law which is now a consumer law violation. You ( Experian ) were obligated to do a complete and 100 % accurate investigation on my disputes, that I sent out certified, I received results back on XX/XX/scrub>XXXX XXXX XXXX XXXX Experian online portal for XXXX XXXX XXXX XXXX XXXX and you CLAIM they came back verified?. 

USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

PLEASE SEND THE FOLLOWING INFORMATION USED TO VALIDATE THE ITEMS ACCORDANCE TO USC 1681i ( 7 ) and USC 1681i ( 6 ) ( B ) ( iii ) OTHERWISE DELETE THEM FROM MY CREDIT REPORT IMMEDIATELY accordance to USC 1681i ( 5 ) I would love to avoid litigation on this matter if possible. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-01
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. (MS)

I have been disputing for almost every month, and Experian refused to fix the problem of incorrect amounts that should be deleted immediately. These account and numbers is inaccurate because these numbers are inconsistency they are supposed to be the same, Terms, High balance, Late payments Open date are all grounds for deletion. But they refused to correct or deleted the problems. On my account for XXXX XXXX they have increase my amount from {$3600.00} to {$4800.00}, Now to $ XXXX.When my deficiency says I owe XXXX. They refused to investigate, and they only use Oscar system and not getting real information from company. And soon I will have to get someone to help take care of this problem because I sent them real evidence and they still haven't fix the problem. Same thing with  XXXX XXXX they have amount, Term in months wrong, the amount that is owed wrong. That should be deleted immediately. They have I owed {$9600.00} when it should be XXXX from my deficiency letter. For amount financed they have {$16000.00} when its {$16000.00}. Monthly terms is 72 months, they have 74 months. According to my contracts my contract is through XXXX XXXX. I don't want to have to get a attorney just for these accounts to get resolve but what else to do if they refused to fix the mistake that's on my account,
Consumer complaint received 2020-05-16
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. (FL)

In XXXX XXXX, XXXX submitted an incomplete remark regarding a " loan modification '', but did not indicate that it pertained to XXXX, causing my account to be flagged as a Loan Modification which dropped my score XXXX points. This submission of " historical data should NOT have had any affect on my score. This incomplete remark that XXXX submitted has caused me a lot of headache as I have had to fight them to take responsibility. I have attached proof that after XXXX XXXX  submitted the " Loan Modification '' remarks it dropped my score XXXX  points of which I have not recovered.
Consumer complaint received 2024-01-18
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. (MI)

I am aware that despite customers providing precise information, you have been using pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand that this is illegal, as each customer complaint should be individually considered and handled appropriately.

My letters are created using accessible software available to everyone. If you choose not to process my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay processing based on the assumption of third-party assistance. This does not qualify as a legal exception. I am the sole author of letters bearing my name, or they are written by my advisors with my knowledge and consent. Failure to respond promptly will be seen as a willful disregard for my rights, and legal action will be taken.

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and Metro 2 data field reporting standards, I have the right to dispute incorrect information on my credit report. It is essential that all data in a consumer 's file is properly documented and validated. The allegations against me are false, and I won't tolerate misinformation about my financial history. I challenge these claims due to their failure to comply with reporting standards. It is your responsibility to report data accurately and in compliance with FCRA and METRO 2 standards. Handle this matter with care and diligence.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

On XX/XX/2023 at XXXX XXXX I sent the following message via Contact Us mohela.com : My student loans in Federal Student Aid and Mohela both say that I withdrew from my program, but I graduated in XX/XX/2023. How do I get this information corrected? 
The response I got ( attached XXXX  ) was to call. I am experiencing difficulty reaching the appropriate department through their automatic call transfer system as the system is not recognizing the keys I am pressing to initiate the transfer.

I sent another message : I am on the SAVE repayment plan. I have verified via studentloan.gov. I am trying to call MOHELA to discuss why my payment is significantly higher than what I was told ( attach XXXX  ). Unfortunately I can not get past the keypad portion of your automatic call robot, as when I press the correct number it does not recognize, repeats the question, and then hangs up on me. Contact me at ( XXXX ) XXXX. I will not be making a payment until this gets figured out.

- I have recently applied for and been approved for the SAVE program, but the MOHELA website does not reflect this change.

- The MOHELA website is displaying conflicting information regarding my payment amount.

- In one section of the website, my payment amount is listed as {$660.00}, while in another section it is listed as {$810.00}.

- In yet another section, the SAVE payment amount of {$150.00} is displayed.

- The website also displays conflicting information regarding my payment plan, with one section showing that I am on the SAVE plan and another section showing that I am on the Level plan.
Consumer complaint received 2017-01-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery has made harassing calls to myself and my mother, a female left @ least 2 different voice mails on my mothers phone, stating " they will be at XXXX home tomorrow to take care of this debt matter " or we will be at her home around XXXX to get her to sign verification of debt, representative stated to me " that I was obviously stupid in regards to the law, this statement occurred after I ask him for proof that I actually owe portfolio money, and I stated you ca n't sue me if I do n't owe you the debt. 
I had asked them several times to stop the phone calls, And threatening.
Consumer complaint received 2024-01-18
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: Experian Information Solutions Inc. (FL)

I've submitted multiple letters to the company regarding these issues, but there has been no resolution. Despite XXXX XXXX advising the company to remove the bankruptcy from my credit report, the company insists that the information is accurate. They verify it with XXXX XXXX, while XXXX XXXX asserts that it's incorrect. Each company received the attached letter from XXXX XXXX the only company respond and removed the incorrect data is XXXX.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NC)

I applied for a mortgage refi loan with TDBank on XX/XX/XXXX, sent all my docs on XX/XX/XXXX and locked my loan. Paid for appraisal and paid for whatever other credit fees. Appraisal report was done a few weeks later and submitted XX/XX/XXXX. After that I pushed for closing non stop, sending several emails and phone calls and nothing has been done to move my loan to closing. 

The tentative closing date was XX/XX/XXXX however that came and went and I have not heard anything from anyone. I have tried to escalate but have not been able to reach managers or anything else to escalate. It has now been 60 days since my application and I have yet to hear a word about closing. 

Also the points fees and schedules I originally applied for did not match what was advertised. They were advertising XXXX with XXXX points in my state and I have XXXX+ credit score and great credit history and income and was unable to achieve that rate for some reason.
Consumer complaint received 2020-10-15
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. (NJ)

On XX/XX/2020 EXPERIAN replied to my request for Verified Certification of your records for my credit report. EXPERIAN stated that Verified Certification is not available for EXPERIANS records pertaining to my credit records.

EXPERIANS continued storage and relaying of any unverified and uncertified records regarding myself is cause for tort claims against EXPERIAN for damages.
Consumer complaint received 2015-09-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southern Credit Recovery, Inc. (LA)

i have an account that is fraudulent and needs to be removed immediately this account has been reporting continuosly when it is a resulf of identity theft and I have faxed the information to the company about the nature of my complaint.
Consumer complaint received 2021-10-06
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)

Filed a dispute with Transunion, XXXX, and XXXX all on XX/XX/2021. It is XXXX and I still have not received anything back from them. They are not following their own policies by responding within 30-45 days. Even sent a demand to comply letter! This is ridiculous. Those items disputed need to be removed immediately!!
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

There are three late payments on my credit report from Capital One Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I feel as though this reporting is incorrect because there were issues with me recieving my bills at this time and have attempted many times, via written letter, and emails, to get it removed and have been declined and given no proof as to why. I believed that these negative marks should be removed.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

The reason Im writing this is because several accounts are not mine and I have no knowledge of them. Some accounts in accurate wrong balances wrong dates. And Im a victim of identity and I have student loans in my name also, I tried calling the credit bureau. What do you have giving me the runaround and no accurate information