davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-14
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. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. I've contacted the FTC and my police dept. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Inquires : XXXX XXXX, XXXX  XXXX NA, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX BANK XXXX. XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Consumer complaint received 2016-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

While attending XXXX Florida XXXX I was enrolled in the XXXX course. On the date of my last attendance I was scheduled to be going out to do my XXXX with all of my course work completed and only XXXX weeks remaining. I had received a letter that was later confirmed by the course director and the professor that taught the XXXX classes. This letter stated that XXXX Florida XXXX had failed to renew their certifications leading to their XXXX students no longer being recognized or able to be certified in their course of study. I left the school that day is disbelief that all my hard work and study meant nothing. I never returned to the school. They promised job placement but, because they were no longer certified or recognized was not going to be able to obtain a job. My student loans went into default because I was unable to pay them back. When recently inquiring about reenrollment to XXXX XXXX XXXX I learned that what had happened to me was not legal and I should dispute my loans. I would love to be able to return to school and complete my course of study with a XXXX and peruse my dream XXXX. I was informed that I was unable to attended college because my loans were in default and I would have to make payments for XXXX consecutive months in order to be eligible to reenroll. I sincerely hope that there is a way to wipe me debt of student loans since there promise was not fulfilled.
Consumer complaint received 2024-01-09
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: EQUIFAX, INC. (CA)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Someone opened a XXXX credit card in my name without my permission and has ran up a bill amounting to XXXX dollars. I have never applied for, nor opened a XXXX credit card. Please block this fraudulent account pursuant to section 1681 of the Fair Credit Reporting Act.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Equifax has incorrect information ( last name, address ) for my account and has locked and frozen my credit report account with them as I can not verify my identify against their incorrect information. This has prevented me from getting a mortgage since mortgage companies could not pull the frozen report, even though I have Excellent credit over XXXX across all 3 credit reporting agencies. The other 2 credit agencies, XXXX and XXXX, have my correct information- my correct up [ dated married last name and new address so I had no issue with their accounts and pulling those credit reports. 
I have followed Equifax 's only process to solve their incorrect information by mailing them scans of all my personal identification ( social security card, passport and drivers license ) however they have still not been able to update and correct my information to unlock my account and unfreeze my credit report. 

I am requesting your support in correcting my account information with Equifax within 2 business days as it is preventing me from getting a mortgage and owning a home and work with Equifax on updating their policies to align more with the other credit agencies, XXXX and XXXX, on staying up to date and proactively correct and update account information instead of using inaccurate information and causing the customer to escalate to have it corrected.
Consumer complaint received 2017-02-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nations Recovery Center (GA)

Called me on my cell phone at work. Told me that his client had identified a debt under my name and social and he was calling to collect. He asked me to give him my social security number to confirm. I refused to give him my social. He gave me XXXX digits and asked if it was the last XXXX digits of my social. 

I told him that it was not my debt and that he should not be calling me during working hours. He hung up on me.
Consumer complaint received 2016-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (NC)

My mortgage company changes my monthly payment without telling me! Although the principal and interest on my account does not change, the company also withholds escrow to pay insurance and property tax -- but they NEVER give me any warning when these amounts change. As a result, my loan amount ( which I pay by automatic deduction ) often goes into arrears. I then have to call the company -- but their customer service people always XXXX up getting the problem fixed. So I usually have to call them XXXX or 4 times to resolve the problem. And then several months later, the problem always returns. This has been going on for years now.
Consumer complaint received 2016-01-29
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (TN)

I was mailed instructions on paying my mortgage off early. We decided to wire the money in an account that the mortgage company provided. Our bank follow the instructions and wired the money. Three days had pass and I check the balance on this loan. The money was n't posted to my account. So I call the mortgage company. Their call center is in the XXXX. They submitted a research on this wire and never call back. At first they say we enter the wrong account number on the wire. Our bank checked with XXXX XXXX they told us the wire was in the right account. They will not return the money, that PHH needs to pull the wire. This has been going on for over three weeks and the mortgage company will not talk to us or returns any phone calls. We keep getting the run around. Where did my money go?
Consumer complaint received 2016-03-23
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (LA)

I attempted to use PayPal to make a {$3500.00} from a credit card. Despite the fact that my credit card was listed as the payment method, the summary following the transaction stated that the payment would be drawn from my checking account. When I contacted PayPal, I spoke to a representative who explained I would need to contact the vendor or my bank to request a refund or stop payment, respectively. I explained that I would be responsible for an additional fee if I pursued either of those actions. The representative told me that PayPal was still in the process of contacting my bank. I asked that since payment had not actually been processed, that PayPal put a hold or cancellation on my payment so that I could correct which account was being used. She stated she was unable to assist me. I then asked to speak to a supervisor. After a significant amount of time on hold, I spoke to a supervisor named XXXX who was also unwilling to make any corrective actions. I asked to speak to his supervisor at this point. When he asked why, I told him that this is a consumer fairness issue. He again asked me why, and I reiterated the same response. He then told me " We will be happy to keep telling you the same information, '' and placed me on hold again. I then waited on hold for over 25 minutes before hanging up without speaking to a senior supervisor.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( 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 You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have a right to privacy 15 U.S.C 1681 section 604 A Secion 2 : It also states a consumer reporting agency can not furnish a account without my writte instructions. 15 U.S.C 166b A Creditor May not treat a payment on credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (MD)

I sent Experian a dispute letter by Certified US mail (  XXXX   XXXX   XXXX   XXXX   XXXX  ) to dispute " the ONLY  XXXX  items '' on my credit. They did not respond within 30 days. I called and spoke with several managers to no prevail. Spoke with a manger by the name of "  XXXX  '' and he told me he could see that they received that letter  X/XX/2017    but they must have misplaced it. I told him I was going to turn this matter over to an attorney.  XXXX  then told me to give them until Monday,  XXXX   XXXX  no later than Tuesday,  XXXX   XXXX  to have the  XXXX  items deleted from my credit report and to please not contact an attorney. I waited until  XXXX ,  XXXX   XXXX  and the  XXXX  items are still on my credit. Called back and spoke with another manager by the so called name "  XXXX   XXXX  '' who was rude, argumentative and insulting. He told me that the letter i sent could have been " any kind '' of letter, insulting my intelligence because it 's clear the letter was sent to the " DISPUTE DEPARTMENT ''  XXXX   XXXX  then lied and said they already responded to my dispute letter and also said he would put in my notes/file that this situation has already been taken care of.  XXXX   XXXX  then told me to stop calling. I also sent a follow letter CLEARLY STATING it is a FOLLOW UP LETTER to let them know they have not responded within the 30 days. NOW experian is trying to use my FOLLOW UP letter as an initial letter to give themselves another 30 days. smh I have sense called back and spoken with a manager by the name of  XXXX  who took my information and said she would look into trying to get the  XXXX  items deleted and she never called me back. I called today AGAIN  X/XX/2017    spoke with a employee who tried to get her manager and  XXXX  on the phone AGAIN on hold fo r 45mins. Neither one of t he managers came to the phone. The employee then asked for my phone number AGAIN and said  XXXX  the manager will give me a call back. I am now seeking legal actions. This has stressed me out beyond belief having to call from work over and over again being put on hold f or 45 min s at a time. Not being able to get a car for work and a place of my own to live because of the " ONLY  XXXX  items '' on my credit report. I am suing for defamation and intentional infliction of emotional stress and whatever other damages i can sue for. Instead of them simply correcting this issue and taking responsibility for not responding within the amount of time allotted by LAW, they chose to ignore the issue, LIE, give me the run around and stress me out. I also have several RECORDED conversations between the managers and I. I made sure to inform them at the beginning of the calls that the calls were being recorded. I have also attached the letter that I am sending to their corporate office.
Consumer complaint received 2015-04-20
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (NC)

I had purchased goods via paypal services but have not heard from the company or received the goods. Initially received first item that had errors, so initially was told via email that he would rectify it by sending another one all we had to do was pay additional shipping. So we paid the Shipping on the XXXX of XXXX. He took the money since and we have not heard back from and of our emails. He is also a business overseas. We tried to deal with it properly through him first but he was very argumentative and disagreeable but then decided to send us a replacement as well as keep the original which we had already spent more money to fix what he had not done properly.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AZ)

I SENT IN A DISPUTE LETTER ( TO LEXISNEXIS ) UNDER SECTION 609 TO REMOVE A FRAUDULENT Bankruptcy.

LEXISNEXIS FAILED TO RESPOOND TO ME DISPUTE LETTER WITHIN 45 DAYS.

Failing to respond to your written disputes within 40 days.

This is a direct federal violation of The FCRA LEGAL JURISDICTION : FCRA Section 611 Part ( A ) ( 1 )
Consumer complaint received 2019-05-14
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. (GA)

I recently applied for a person loan to start my new business. Long story short I wasn't approved so it prompt me to check my credit report. I see items on my credit report that are not mine. These items are not mine and I need these items removed from my credit report. I've contacted the FTC and the police and I'm doing this myself. XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX-XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, CXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Hilco Receivables LLC (MD)

As of XX/XX/XXXX XXXX XXXX also USA Discounters refuses to terminate my account and refund overpayments since XXXX, they are keeping my account open and taking payments for over 7 years. This company 's location in XXXX Maryland has closed-file bankruptcy and working under new name. XXXX is responsible for managing the direct deposits and tranfering funds with additional fees on old outdated yet active accounts. 

I reporting that XXXX as fraudulently accepted deposits in overages of {$7000.00} if not more. The XXXX implied that there is no contact information for USA Discounters Nor XXXX XXXX only account information, and deatiled information for me ( social Security and Date of birth. 
I want this investigated for fruad. and money owe to me all refunds.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (PA)

For the past 9 years, Navient has failed to provide me with accurate information regarding my loans. I have numerous late payments during time period where I was in school and called numerous times for a deferment. Navient has ignored my dispute letters time and time again, failing to provide explanations. Navient has failed to explain loans that I did not take out put show on my credit reports. Please help me.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

This company is reporting me for being delinquent. I paid for them months and months ago. 

I reported them to YOU. They said I'm not delinquent. My report literally says delinquent. 

They're committing fraud, then lying about it, AND YOU DO NOTHING. 

Please help me.
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (TX)

After graduating from XXXX XXXX XXXX XXXX, I had approximately {$26000.00} in school loans consisting of both private and federal loans of which {$21000.00} were paid over time. About XXXX months ago I received a notice that I will not have to pay the rest of my loan off due to XXXX XXXX engaging in fraudulent activity. I alerted Navient of this about XXXX years ago and decided to stop paying my loan which impacted my credit score negatively. Of course I had to then continue to pay my loan because Navient threatened to garnish my wages and continue to impact my credit with XXXX day late notices. I paid my loan down to about {$5600.00} in XXXX when I received notice that I dont have to pay the loan anymore due to XXXX being found guilty of fraudulent practices.
Consumer complaint received 2024-01-11
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: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
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: EQUIFAX, INC. (CA)

When XXXX sent me a new card Equifax started showing that account as being closed. When I noticed that I disputed the status with Equifax. Now Equifax is telling me that the account has been deleted from their system as per XXXX  request. I've contacted XXXX several times and I've contacted Equifax several times and they both point the finger at the other. Meanwhile I'm stuck in the middle with a credit report that's not accurate. Please help.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Equifax should not be reporting a collection/charge off in the amount of {$210.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor was XXXX and this company has long since gone out of business. I was never late on this account and this account had no balance due. I never received any correspondence from XXXX that this account was in jeopardy and only became aware that this account was erroneously placed in collection was when I obtained a most recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed. I have contacted the bureau to remove this however, I have not been successful.