davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Upstart Holdings, Inc. (FL)

The company upstart.com is charging me daily compounding interest when my contract says simple. The website is upstart.com The whole point is this was sold to me as a simple interest loan, and now they are charging me interest daily. I would never agree to that. They sold it to me as a standard simple interest loan. Their reps lied and sold me a pay day loan. In the pro-misery note is says simple interest, they are charging me daily interest. 

Please see section 1 from the not I signed with them. 

" 1. I promise to pay the principal sum of __________, together with interest thereon commencing on the origination date at the rate of ____________ per annum simple interest. '' That is taken from the first paragraph in the loan pro-misery note. Also, the reps on the phone told me that I could pay it off early with no penalties. I also phoned back and spoke to two other reps to confirm, that i could, Pay it off early. 

The loan is listed as a Student Loan. It is not a " pay day '' loan. Why are they telling you its a pay day loan when it is a Student Loan for  tax purposes? 

I want upstart to show me their calculations. I say they are completely bogus and they are yet to show me any calculations. Like actual Math. Show me the formula as how you got to {$440.00} in XXXX. A second response asking me to review the note is not going to cut it this time. Ive attached the note which clearly says " simple interest '' which is what your staff sold it to me as. 

In XXXX of XXXX i paid {$1000.00} to them and {$440.00} went to interest. Show me that math please? I signed a contract saying that its simple interest, their staff told me there are no penalties or expenses to pay once the interest is paid for, They say its a pay day loan, but listed as a student loan. 

I really believe this co is defrauding thousands of people and we need another look. Ask them to show us the math, as to how they charge me so much interest> Please have a look, this is fraud at a major scale -
Consumer complaint received 2020-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ID)

Fedloans is the servicer for my loans currently and I am enrolled in PLSF. I need XXXX payments to have my loan forgiven. I have been waiting for the past 2 years for them to accurately count the payments I have made, as there are at least 12 payments missing from their counts. I have called Fedloans several times, including trying to talk with the Ombudsman to resolve the issue, and this was at least 6 months ago and still the issue has not been resolved.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: STERLING JEWELERS, INC. (AL)

I wrote a complaint on XX/XX/XXXX about an unauthorized inquiry and received a response that it would be deleted. This has yet to be deleted from my credit reports across all bureaus. 

XX/XX/XXXX Re : CFPB complaint # : XXXX Dear Mr. XXXX : Although the information provided with this complaint matches the information submitted with the credit application, in response to your complaint, they sent a request to the credit bureaus to remove our inquiry from your credit file. o They sent you a confirmation letter. We hope the above information clarifies this matter. Sincerely, XXXX XXXX Resolution Specialist
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (TX)

I've been disputing this account for several months and have not received any correspondence back at all. This account is showing charged off, but " open '' and " 120 days late ''. It's also showing closed and past due. The account has also been " re-aged '' saying that it was reported XX/XX/XXXX but the date of last activity shows XXXX. I would like th is deleted please.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (TN)

XX/XX/2019
I just received a request from DISCOVER Credit Card Service asking me to sign Document 4506-T. I appears to me, by signing this document, DISCOVER will then have access to my IRS tax returns and any other info IRS may have on me. DISCOVER did not require me to sign such a document when they extended me credit years ago so I don't see why they feel they are entitled to it today. I have been doing business with them for years and ALWAYS pay my bill on-time and in full. They told me if I don't sign, they will cancel my accounts. They have already froze my account so I can't even see my recent transactions or where I stand financially with them.  I have given them absolutely no reason to take this action.
Consumer complaint received 2020-05-02
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. (NJ)

On XX/XX/2020 submitted a dispute letter to Equifax stating and labeling specific inaccuracies with a Negative Account name XXXX XXXX XXXX XXXX. I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation based off of my dispute.. Equifax replied to the the dispute by saying the account Balance date was updated, when this was not the premise or reason for my dispute as stated in the original dispute letter which I uploaded to this complaint along with the supporting documentation proving and showing inaccuracies for the negative account XXXX # XXXX. Now to get to the nature of my dispute for XXXX # XXXX -1. Reporting 3 different Date of 1st delinquency and date assigned to 3 Bureaus XXXX2. Reporting 3 Date of last payments. 4. Reporting 3 different balances to 3 different bureaus. 

By looking at the documentation I submitted these is just some of the multitude of errors that I disputed specifically and never was investigated in too. All I got was Results saying balance date updated. this ws not the nature of my dispute. it's obvious the Equifax did not do a complete and thorough investigation, and did not rely on any of the proof that I submitted to them. Its obvious the issue is no one from no person from XXXX XXXX  was contacted for the dispute and no evidence was submitted because there is 3 different reporting on these issues with 3 different bureaus about the nature of my dispute. 
I have proven that deletion is the only outcome which was the the determination XXXX  came too
Consumer complaint received 2022-10-05
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX : {$1900.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (IL)

This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested.

I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine.

I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter?

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state?

5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature?

6. Please provide a complete account history, including any charges added to this collection agency or any account?

7. List of all names and contact information of all employees that was spoke to regarding this account or collection?

You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status
Consumer complaint received 2017-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I was steered to do a forbearance as I was completing my degree versus helping me to understand other options. I check my credit report regularly. I am devastated that my loan repayment total has escalated from 80K+ to XXXX. This is unbelievable! Need assistance ASAP as this has plummeted my credit score.
Consumer complaint received 2017-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (OR)

I am trying to get a written debt validation from this company called " SIMM ASSOCIATES, XXXXNC. '', but they are refusing to give it to me. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), it is my right to receive in writing " letter '', the proof that this debt is owed.  They are constantly calling me, asking for payment and making threats about reporting this to the collection agencies. They are doing all this without showing me a debt validation. They are breaking the law and should be prosecuted.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I have Called Equifax four times in the last 2 mths and Spoke with Reps, Concerning about 17 inquiries that I have no knowledge of nor have given anyone permission to run my credit. I have called and called and nothing happened.
Consumer complaint received 2020-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC. (CA)

When I began getting K jewelers bills in the mail I called them to explain that I never opened an account and they told me I was still responsible. The staff over the phone was never helpful and now this account I never created is ruining my credit.
Consumer complaint received 2020-05-02
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. (NV)

These are accounts are TOO old in which exceeds the FCRA laws, or they are not mine! I also didn't authorize this company to pull my credit, or the address I have never lived in. I filed a complaint with the FTC in which I attached 3 reports that has all the information on it.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (NM)

On XXXX XXXX, XXXX I cancelled this loan transaction under the Truth In Lending Act. M & T Bank and XXXX XXXX XXXX, XXXX ignored my written requests to close the account even though I sent them via certified mail signature receipt the written and signed " notice of right to cancel '' which they indeed signed for. They are continuing to harass me over this and report it on my credit report even though I have formally disputed it. The cancellation of this account was recorded in XXXX County,  New Mexico and I can provide supportive documents upon request.
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IL)

Refund processed received. XXXX payments totalling {$1800.00}. Balance outstanding raised by {$1800.00}. 

XXXX checks received in the amount of ONLY {$1700.00}. 

How? One payment was duplicated while another was left off. 
Each payment was made for a different amount so it was easy to see. 

XXXX checks were issued for XX/XX/2020 payment of {$100.00}. No check was issued for XX/XX/2020 payment of {$160.00}. 

I am still owed {$57.00}. Checks have been deposited. 

Will attach info and copy of checks.
Consumer complaint received 2021-02-26
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)

I have notified Equifax that I am a victim of identity theft numerous times, there are accounts on my report that are not mine and are showing on my report in error. I XXXX XXXX am not a third party.
Consumer complaint received 2017-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (MI)

How do I stop Discover Card from calling me every single day, including weekends and holidays. 
I have request a " cease and desist '' to Discover many times including through the CFPB over a week ago. 
I have asked for all communications to be written to ensure there is no misunderstandings of facts I have informed Discover Charges on this account in my name are identity Theft I even took a phone call from Discover on XX/XX/2017 -  This is the first time and only time I talked to someone verbally over the phone. During conversation I informed Discover the charges are not mine and are not authorized be me. 
I truly believe Discover has refused to honor my request and honor federal and State laws, deliberately for the purpose to harass me. 

So let me specific again, I do not want Discover to call me over any phone. If Discover wants communications they can do so via USPS, email or XXXX. 
DO NOT CALL ME, THIS IS VERY STRESSFULL, It is preventing me from sleep, I am stress all day, I am XXXX years of age and did not create this mess. 
On XX/XX/2017 discover called me at : XXXX XXXX ET and XXXX XXXX ET they called again. 
I will file complaints every day through this platform to produce a record for further litigation
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I disputed my child support account and asked for verification on the account including the late payments that aren't accurate almost 90 days ago as well as I filed a complaint with the CFPB # XXXX on XX/XX/20. It's now been over 90 days in total and I still have not received anything back from Equifax on how on how they verified the account. 

I have a letter from the child support courts that they do not furnish any information to credit bureaus or any 3rd parties which i will add to this complaint. I will attach a copy. 

It says on the EQUIFAX website that they verify this type of information with XXXX XXXX but I have a security freeze on my XXXX XXXX account because i'm worried about identity theft, so their is no way this account be verified, so the E-Oscar system is auto verifying this account which is infringing on my Fair credit reporting rights and this account needs to be deleted immediately. 

I also don't understand why XXXX  and XXXX  deleted this account months ago but EQUIFAX isn't doing their job correctly. I will attach proof that it's been deleted everywhere except EQUIFAX. 

I will attach all my evidence.
Consumer complaint received 2020-12-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (CA)

We signed up for a no cost loan with XXXX interest in the first 12 months. We signed up for automatic payments at an accelerated pace that would pay off the loan WELL ahead of the end of the promotional period. About 6 months later we made the final payment, and the automatic payment system charged us over {$100.00} dollars in excess of our loan amount, as if we had been accumulating interest all the time. 

I called and Greensky said they would process a refund, and that I would get my money back in 14 business days. So just in time for XXXX they get an interest-free loan from me for almost a month. 

They claim that they would have EVENTUALLY refunded my money even if I did not call to demand one, but I have my doubts. I think the way this company does business is extremely questionable. I have doubts as to the legality of holding my funds hostage this way, and I suspect they are hoping that less vigilant customers do not notice that they have been overcharged and never demand their money back.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX