davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

I wrote Experian because after talking with a mortgage person he said there were problems with my credit report so he had me go to a web site and get my reports. He told me where to find a simple form letter on line and to write the credit bureaus with my questions. Experian sent me a letter saying my letter was suspicions and they refuse to help me. 
I believe since I am a XXXX they are discriminating against me. I am educated and know my rights. I have read what they are.
Consumer complaint received 2017-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BYL Collection Services (DE)

I received a notice from my credit monitoring service in  XXXX     2017 that my credit score had dropped. When I reviewed my credit reports, there was a company BYL Management Services LLC claiming I owed a collection debt in the amount of {$1600.00} to them. I 've  never heard of this company and have never received any kind of communication from this company about any debt owed to them. I tried to dispute this information with the credit reporting agencies and my disputes of returned with no change. I still have not received anything from this company that I owe them any money or that I ever had an account that went into collections. This is unfair and deceptive as I was  never notified that I had a debt owed or a debt that went into collections. I was never sent any kind of written notice from this company to be able to dispute the debt and get validation of the debt claimed to be owed prior to this company placing a collection account on all  XXXX  of my credit reports, and even still after this being placed on my credit have not heard from this company or been sent any information regarding this debt. This has negatively impacted me, my credit score on all   XXXX   credit bureaus, and financially because I will be denied extension of credit because if this. According to the FDCPA this is a direct  violation of my rights.
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I 'm filing this complaint today because my request to Experian have been ignored. Since XXXX XXXX, I have submitted multiple requests to Experian to provide me with documents that they have on file that was used to authenticate and verify the account showing as negative on my Experian Report and I have not yet received the verification I requested. On XXXX XXXX, XXXX I sent a certified letter requesting Experian to supply the verification process, including the name of the person they spoke with. After not being supplied the information I requested, I again sent another letter on XXXX XXXX, XXXX. I did not receive the information requested from the XXXX XXXX letter either. In addition, I have sent a letter to XXXX XXXX XXXX and have n't received the information requested from them either. Under Section ( 5 ) ( A ) ( i ) of the FCRA - they are required to promptly delete all information which can not be verified with accuracy. Please help me resolve this matter and have this account removed from my Experian report immediately!
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (AZ)

Experian Credit Report : XXXX, I am unable to remove inquiries from my credit report. 
The XXXX and the Credit Bureau are both no removing my name and informationfrom the Creditor 's file. I want the inquiries to be removed and permanently stopped.
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

Experian is posting data on my credit report that is outside of the statue of limitations in the State of Ohio. 
Account : XXXX XXXX Date opened : XXXX/XXXX/XXXX Today 's date : XXXX/XXXX/XXXX Statue of limitations in Ohio : 7 years Time reported : 8 years and 22 days
Consumer complaint received 2016-06-02
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (GA)

I have requested a full account of all of the payments I have made against this loan and Navient was not able to provide. This is a loan that was taken out in 2001 and the original loan amount was for {$7600.00}. I feel as though I was pressured into getting the loan and even though I did n't not complete the program I was still obligated to pay the full amount. I owe more now that what the original loan was for, I feel like this was predatory lending and would like some kind of resolution but Navient has not been willing to assist.
Consumer complaint received 2016-06-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Io, Inc. (NJ)

I was never given a chance to dispute the debt. I did not know about this debt since I turned the bill into the insurance company and was never given the chance to pay it. They had a wrong address on file and never sent me anything just reported to my credit report.
Consumer complaint received 2023-01-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NC)

There is an incorrect account reporting to my credit profile, which is affecting my credit, and affecting me from being able to receive new credit I have been requesting to have this debt verified that it is mine and irrefutable 100 % by requesting the original opening agreement with my signature date and ID that was used to open up this loan agreement by mail or by email. However this company will just continue send me an automated message saying that it is validated, but will not present proof on how they validate it or present me the proof that it is valid.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NE)

To begin, I make this request for myself and by myself without the current assistance of an attorney or other aiding organization. My account with the Consumer Protection Bureau is directly linked to my personal email account that I have had for over 10 years. I am a well educated individual who is very aware of my rights as a consumer. Pursuant of the Fair Credit Reporting Act I request a detailed description of the method used to verify the information provided on XX/XX/2017 within 14 days of this request. 

I make this request because I find it very unlikely the aforementioned creditors have legally verified the information. This is due to the fact that I have directly requested supporting documentation proving I owe the balances they are demanding and they have failed to produce any evidence. In some instances I know the balances are grossly misrepresented. In some instances I am completely unaware of where the account originated from. Despite being unable to validate the information they are still reporting the inaccurate information. Which is why I am placing the burden of accuracy onto Experian, a right the Fair Credit Reporting Act affords me. 

Although, it is not Experian 's obligation to mitigate disputes between consumers and data furnishers, it is Experian 's obligation to ensure the data furnishers are following the laws which govern credit reporting and collection. I understand you are not obligated to acquire original documents to verify the information, however ; data furnishers can not report information that they can not validate to me, the consumer after I have requested it. This letter is advising you that the companies have not complied with my demand for validation. It is now your obligation to verify their compliance with my debt validation request prior to the blind continuation of reporting their furnished information. 

At a minimum I need a detailed description of how the information was verified. Ultimately, I need the invalid information removed from my reports immediately as it is causing financial harm. I XXXX and this inaccurate information is preventing me from obtaining necessary loans for me to earn a living. If you continue to report information that the company has not validated with me or fail to provide a detailed description of how this information was verified, I will pursue legal action in the XXXX County Court of Nebraska. I will seek lost earnings in the amount of {$2100.00} per week which is what this invalid information is costing me. In addition to the actual damages, I will seek statutory damages for every unverified and invalid item you continue to report. Finally, I will seek recoupment of any and all legal fees I acquire to enforce the Fair Credit Reporting Act with your company. I assure you I have the time, the grounds, and the legal and financial means to take the actions mentioned.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

Please delete the following incorrect personal information that is inaccurate. 

Incorrect/Misspelled Name : XXXX XXXX XXXX Incorrect/Wrong Addresses : XXXX XXXX GA XXXX XXXX XXXX GA XXXX Incorrect Social Security Numbers : XXXX
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

This credit reporting bureau is reporting incorrect information under a XXXX credit card that was closed many years ago. There is a very old credit card still displayed on my credit file which is showing XXXX XXXX day late payments. XXXX late is displayed in XX/XX/XXXX and the other is displayed in XX/XX/XXXX I wrote a letter asking Experian to completely delete this account and I have not received a response and this account continues to display incorrect information that can not even be verified. I called XX/XX/XXXX and was informed by them that these late were not verifiable and no longer on record an that the bureaus will remove the account completely. But they have yet to do this. I am suffering financially because of these false reporting and this falsely delinquent account.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

My credit reports show that my credit history is only 6 months. I paid off a car that is reported on my credit. I bought the car in   XX/XX/XXXX   and paid it off  in   XX/XX/XXXX  .  All   XXXX  c redit reporting agencies previously showed this under credit history, but somehow it 's now only showing 6 months. The reporting company was  XXXX   XXXX .
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX, XXXX XXXX Experian XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. 
Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX SOC SEC # *********** DOB XX/XX/XXXX XXXX, XXXX XXXX XXXX acc # XXXX PLEASE REMOVED THIS ADRESS XXXX, XXXX XXXX XXXX - REPORTED XX/XX/XXXX THIS IS NOT MY ADRESS FRAUD The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: London & London (CT)

London and London claims I owe XXXX to XXXX XXXX. The balance is well over my credit line of XXXX, part of the debt is the result of fraudulent charges and at least XXXX is questionable as it brings the account well over limit, I suspect either XXXX XXXX or London and London added on bogus charges so as to make it appear I owe more than I actually do. At least 3500 is due to fraudulent charges. Please note, I did attempt to make payment arrangements with XXXX XXXX several times, the last online chat rep would not cooperate and said to wait until a payment had posted at the time before making any arrangements. Most recently, I made additional attempts to discuss debt with XXXX XXXX, however, calls were transfered to recovery dept where calls are recorded. I refuse to speak with anyone on any recorded line, reps were advised of this several times. However, they insist on recording calls in case any payment arrangement is missed. One rep advised me they do not accept settlement offers, which is a shame as a settlement amount would resolve it. Please advise London and London that most of this debt is fraud/bogus and refuse to pay unless a reasonable settlement offer is made to me.
Consumer complaint received 2017-02-25
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (NC)

Hi, I called Chase Credit card customer care number XXXX on XX/XX/2017 at around XXXX. 

The executive was n't talking professionally and was n't able to give me complete information. He seemed to be untrained and without sufficient knowledge. Prior to that, he asked for my SSN and asked for account password or security question ( my mother 's maiden name ) to verify my identity. 

I need to know if it is a standard procedure at Chase to ask SSN and account password for verification purpose? But, why shall I share my security question or account password? 

But anyhow, I had to share my SSN and my mother 's maiden name for verification purpose as he was n't giving me option to answer any other verification questions. 

I need assurance that the person to whom I spoke to is a genuine person and my identity details were shared with a reliable customer care executive.
Consumer complaint received 2017-05-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK (GA)

Beginning in  XXXX  of  2016 , Gateway One Lending began to report my account as being delinquent, despite receiving my payments on time. After several attempts to rectify this situation, to no avail, I have no other choice but to seek outside assistance, including possible legal action. My attorney has made several calls  to Gateway One,   only to be given numerous explanations to why this miscalculation continues to damage my  Credit  worthiness.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I, XXXX XXXX the consumer have sent multiple dispute letter to Equifax stating the removal of all accounts attached to my credit file. Apparently the do no follow the Fair Credit Reporting Act because information put on my report that I never gave written consent for. At this stage in my life I am starting a family and they have me XXXX up, I would like to purchase a house but because of my credit report it is causing me great stress just to get help purchasing it. I recently sent the another notice as of XX/XX/21 via certified mail, including a bill of particulars in the amount of 48,000 $ for multiple violations that have occurred. The blatant disrespect to me as the consumer has given me no other choice but to file this complaint. They are not following the upholding Fair Credit Reporting Act at all. It is not fair to me and my family, this is the last step I take before going to court.
Consumer complaint received 2017-05-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: AmeriCash Holding LLC (IL)

My bank account was withdrawn  XXXX  on today 's date  XXXX / XXXX / 17  by Americash. They did not send me any notice prior to withdraw informing me of the anything, no info for amount being withdrawn, no date agreed on to withdraw amount that was took from me, Nothing. So I contacted Americash and spoke to a representative concerning the matter. A male representative told me that interest had accrued onto my loan due to late payments that were made onto my account, so the guy told me that I 'm being charged  XXXX  dollars of interests, so they withdrew a portion of that interest from my bank account today  XXXX / XXXX / 17  in the amount of  XXXX  dollars, and the remaining amount of  XXXX  dollars will be withdrawn on  XXXX   XXXX   2017 , I told the guy I did not receive a notice stating anything about this transaction being made, the guy told me they are not obligated to inform me of any interest owed. I was highly upset because I was not informed or aware of any transactions being took place on my bank account today or on  XXXX   XXXX , they violated my rights for not even sending me a notice prior to withdraw, and most importantly the money was not available to be withdrawn due to me deemed unaware of payment set to be withdrawn from my bank account today. From my understanding from my payment schedule which I received from americash stated that my last payment was  XXXX   XXXX     2017  in the amount of  XXXX  which was paid.
Consumer complaint received 2017-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (CT)

I am having trouble making the payments I borrowed  XXXX  but the interest rate is 720 % I will have paid over {$7000.00} when done the {$400.00} payment every 2 weeks is making it difficult to keep up with my mortgage and bills I need to pay
Consumer complaint received 2017-05-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Navient has been overcharging me for years now. They refused to assist me in lowering my student loan payments and I had to default on my loans while in XXXX and XXXX XXXX After my father passed away ( he was paying my loans ), I was unable to make payments and they refused to help.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

For the last 8 months we have been arguing with XXXX about a credit card that was charged off back in 2012. Currently they are continuously reporting our charged off credit card account every month as 90 days late with a fluctuating past due balance that is incorrect. We have been making payment to the XXXX every month since XX/XX/2012. We currently owe XXXX when the charged off amount was XXXX. We have disputed this through XXXX, Equifax and XXXX. The account was removed completely from XXXX due to no response and when the dispute was sent in to Equifax we had XXXX 90 day late pays and they decreased it to XXXX. But they are still reporting us 90 days late according to my credit report on XXXX. Despite several attempts with the collection department at usaa nothing has been resolved. They are rude, disrespectful, they put us on hold and never pick up, they talk over me, yell at me and tell me there is nothing they can do. This account is causing my credit score to hardly change at all despite us working hard to repair our credit. XXXX is inaccurately reporting our credit card account on our credit and we just need help. We have done the right thing and have been making regular monthly payments to them for the last 4 years. We will continue to do so until the account is paid in full. We are not wanting to settle the account or anything. We just need this account fixed and have them do the right thing and report our credit card account correctly.
Consumer complaint received 2022-08-04
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I contacted experian to dispute something on my report and was given the run around with transfers back and forth and a t one point the representative hong up the phone on me after being half hour on the phone