davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX  - XXXX XXXXXXXX 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 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  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 2022-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I qualify for the Public Service Loan Forgiveness program available through the Biden modification plan. I have submitted the completed and signed employment verification form through the Federal Student Loan website three different times. Their response to my submittals have stated each time that the form has incomplete or missing information. I have highlighted in yellow each section required to be completed and confirmed the information is accurate before submitting the form each time. The latest response letter dated XX/XX/XXXX states : " Missing Information : Your employer certified the dates of employment that were entered in Section 3 of the PSLF Form. However, the employment end date is before the employment begin date. Complete and return the enclosed form. Make sure that your correct employment begin and end dates are shown in Section 3 and that your employer certifies correct dates. '' My form clearly shows the employer entered by begin employment date is XX/XX/XXXX and that my employment end date is " still employed. '' The form was signed by the Human Resources representative on XX/XX/XXXX. A previous application was rejected based on similar reasons. My application was reject in XX/XX/XXXX because " Section 4 was not completed, '' however, I am employed by a state government agency and the form clearly states to only complete up through Section 3, then sign and date the form. The other submittal was rejected in XX/XX/XXXX because " Your employer did not provide a name or EIN in Section 3. '' However, the form had all of this information clearly provided on the form. 

I believe that the Federal Student Loan agency and/or my loan servicing company XXXX XXXX is deliberately rejecting my PSLF form and my application in order to deny my student loan forgiveness.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX late payment : XXXX XXXX XXXX XXXX XXXX inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Former : XXXX XXXX XXXX Name : XXXX XXXX Employers : XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Two disputes have been filed over the last several months with 5/3 Bank. 

They have been unresponsive to resolving the cases. I have complete documentation of the emails that were sent to 5/3 containing the information they requested. 

In my opinion it is less costly for the Bank to do nothing than use the resources to close the case.
Consumer complaint received 2024-08-30
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the Fair Credit Reporting Act 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Balance : {$330.00}
Consumer complaint received 2022-06-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX  XXXX XXXX Balance : {$330.00}
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C1861 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-30
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

This company navient has been the worst company to deal with. The alleged student loan that I have with them as the servicer has been sold the alleged loans to XXXX XXXX XXXX. They sent correspondence in the mail which had the phone number to reach them if I needed assistance to call the number on the letter which was XXXX I called that number on XX/XX/22 to confirm the status of the account and was told it was in good standing and not in jeopardy of any negative reporting or action. Once I got an alert of the 90 days past due filing I contacted them and said I already spoke with someone from their office. They said you spoke to the wrong office. I told them I called the number that was on the letter they sent me. they said it must have been an error in the correspondence. I said that error in the correspondence could have prevented the current situation of the negative reporting. They gave me the wrong number the wrong address and the wrong department. I have spent 5 hours trying to resolve this issue with navient and they were no help at all. I also asked them who gave the authority to publish negative information about payment history to my consumer report. I have never provided them with written consent to do so and they failed to disclose my option to opt in or opt-out of reporting. The reporting that they listed as 90 days past due as of XXXX is in accurate because if the account was allegedly current all year which the report shows, how could it be 90 days past due in XXXX?
Consumer complaint received 2022-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

Navient has been harassing me and my co-signer grandmother whos XXXX and In a XXXX XXXX  and threatening legal action against her even though my account has been in forbearance for most of the last two years due to Covid and reduced income. They have called and sent letters incessantly, so much so I got a new phone number. Now they call me on a number I never gave them, and called my mother recently- telling her to make a payment when shes neither on the loan or a co-signer for the loan!!! they should not and did not EVER get permission to contact her let alone find her information however it is they did that. I have no idea how they got her number or my new number.
Consumer complaint received 2023-10-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC (MD)

My mom ( XXXX XXXX, last living parent ) passed away and left everything to me and my brother. I was paying the mortgage while we were waiting for the time to pass with the MD courts. Since time was almost up and I could see that mortgage rates were really high, I asked Rocket Mortgage about what happens when this situation comes up ( because my mom 's mortgage rate was really low and affordable ) and her loan was with them. I called to get things started because the article they sent me made it seem like I could do exactly what I wanted to do ... keep everything the same and just switch it to my name since I already knew I could pay for it ( and I WAS paying it the whole time after my mom passed ). Well, they told me that I couldn't do that because my mom 's loan wasn't assumable so I had to go through an entire purchase process which includes all of the fees ( closing, appraisal, application, etc ). Plus, I lost equity money in order to make the new payment ( with the way higher interest rate ) affordable. I was an emotional wreck and rushed to sign paperwork because I had to " lock in '' the interest rate since the rates were climbing every day. Well, now that things have calmed down a little bit with my situation, I found out something while continuing with all of my mom 's estate paperwork and processes. It turns out, I was right and it's FEDERAL LAW that mortgages are assumable in this situation. I reached out to Rocket Mortgage and all I get is the run around. I ( and my brother ) have been frauded out of money and I will NOT let this go. I never should have had to go through a purchase process, I never should have had to pay all those extra fees, I should have been able to just keep my mom 's loan ( and interest rate ) and kept paying exactly like I was doing. But instead, Rocket Mortgage decided to make a bigger profit and fraud me rather than helping me do what I was asking about.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal and they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX
Consumer complaint received 2022-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-30
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC (GA)

I receive XXXX calls a day from Goodleap regarding a loan for solar power system that have been defective since installation. I have informed Goodleap of this issue with XXXX XXXX XXXX, which XXXX has agreed to pay the balance for due to their faulty system. I am currently in communication with XXXX XXXX XXXX to resolve this issue. 

I have explained this to Goodleap on at least XXXX occasions, and they insisted on reporting this to credit agencies to affect my credit. I have most recently received calls as recent as today ( XX/XX/2022 ).
Consumer complaint received 2024-08-30
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. (MD)

I recently pulled a copy of my credit report and noticed the following information are in error : 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 With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. Please delete the above addresses and names from my report immediately.
Consumer complaint received 2022-06-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC (DE)

I closed out my XXXX account during the pandemic to cut back on bills. I actually had a line with them with XXXX of my children on and and I was also with XXXX and had XXXX other child on that account. I closed out XXXX and put everyone on XXXX. I was paying the balance with XXXX and then my household caught XXXX. We were ALL out of work and I didn't pay 2 of the last payments with them. I finally called and they said it was charged off because the majority of it was paid off. I had no payments left in their system. A few months later, my XXXX XXXX XXXX son, who now has that phone with that number, was complaining of someone calling about a XXXX  bill constantly. I answered the phone and without saying who I was, I was told it was XXXX XXXX XXXX and they were collecting a XXXX  bill. I hung up because I'd already had that conversation with XXXX. That went on for months and I guess finally the sold the account to someone named SOURCE RECEIVABLES MANAGEMENT. I have not spoken to them at all but I did receive something in the mail from them pertaining to said XXXX bill. 
I am in the THROWS of buying a house RIGHT NOW, as in looking and pre-approved already. I do not have time for their nonsense. According to XXXX, I no longer owe them anything. The date this started with this latest company XX/XX/2022 when it appeared on XXXX. The time I spoke to XXXX was somewhere between XXXXwhen I was home with XXXX XXXX and they kept calling my old phone.
Consumer complaint received 2023-07-17
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. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.