davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-02
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: Experian Information Solutions Inc. (TX)

I am writing to dispute a fraudulent collection account that has been reported to my credit report by XXXX XXXX XXXX XXXX, doing business as XXXX. The account in question has the account number XXXX and the original creditor listed as XXXX XXXX XXXX. 

I believe that this account is fraudulent and the result of identity theft. I did not open this account or incur the debt associated with it. I have already taken steps to report the identity theft to the relevant authorities and have filed a police report. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and remove this fraudulent account from my credit report as soon as possible. I am also requesting that you provide me with written confirmation that this account has been removed from my credit report. 

I have attached supporting documentation to this letter, including a copy of my police report and any other relevant documentation. If you require any further information from me, please do not hesitate to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/1975
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-02
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: NAVY FEDERAL CREDIT UNION (LA)

In accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Navy Federal # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy FCU # XXXX 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 also states a consumer reporting agency can not furnish an account without written instructions 15 U.S.C.1681c ( a ) ( 5 ) section states no consumer report containing any of thr following items of information other than record of convictions of crimes which antedates the cause to believe that the information is inaccurate
Consumer complaint received 2022-10-21
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. (NJ)

I have very good credit. There is a person named XXXX XXXX that has really bad credit. I received a denial from a credit card company with her name on it and my address. I called the credit card company and they apologized saying she had different ss # and social security number. I then checked my Experian credit card score and I was totally unbelieving that my credit score of XXXX went down to XXXX. I looked at the report and saw delinquent accounts that were not mine and past due credit cards and collection agencies. I pay all my bills before they are due. My Credit card accounts showed everything was paid on time. Her accounts were all delinquent. I called up Experian and they told me they are in process of deleting them but it takes 72 hours. I need help right now. What if my good accounts receive notice of their error. I think the blame of this is either this person or the Credit Bureau and I would like it resolved immediately. Thank you.
Consumer complaint received 2022-11-08
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: Experian Information Solutions Inc. (CA)

I have requested that Experian remove to investigate the XXXXXXXX XXXX XXXX  XXXX that they have on my report since XX/XX/2022. Since then I have sent a dispute letter every month and receive no response from them. 
Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 
Experian is violating my consumer right by not providing any documented evidence that they did the investigation. 
Under the Fair Credit Reporting Act,15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Send me copies of the documents that you have in your files that were used to verify them. 

I have been disputing this issue with Experian for over 120 days and the lack of action as jeopardized my ability to buy a house. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Consumer complaint received 2023-03-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

Navient, Formerly Sallie Mae, has continuously been an incredible source of frustration for myself and other borrowers.

My complaint is this : When an " overpayment '' is made, the loan interest rate rises.

The associates I speak to have stated categorically that overpayment does not affect interest rates, and yet, when I view the Prime Interest Rate trend history, the rises in my Navient loan interest rates do not match. In other words, I am being punished for overpaying which was not in my MPN.

Additionally, I have on multiple occasions email the company requesting a copy of my ORIGINAL Master Promissory Note and the have outright ignored my requests, simply choosing not to respond. I utilized their emailing system for these requests.

Furthermore, multiple times I have submitted ALL required paperwork to release my cosigner and again I have been completely ignored.

When I call, the customer service representatives act as if they are ignorant of the way they could view the submitted material.

Navient has been sued in recent years for it's predatory tactics and lending practices and I am a victim of this, though I have been paying faithfully for 15 yrs I am still treated like trash from this institution.

In Summary : 1 ) Loan interest rates rise dramatically when any overpayment is applied - this is not associated with Prime Rate trends 2 ) Company feigns ignorance of my multiple request for original MPN ( under Sallie Mae ) 3 ) Company feigns ignorance of my submittal of all required materials for releasing co-signer 4 ) Company overall is predatory in its tactics and mistreats its clients because, basically, it knows it can because no one stands up to them.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-02
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. (PA)

As a federally protected consumer, Im aware thats youve assumed a vital role in assembling and evaluating information pertaining to me. Congress makes it known that I have a RIGHT TO PRIVACY as a federally protected consumer in which youve infringed upon without my lawful consent. Pursuant to 15 USC 1681, It is the purpose of the Fair Credit Reporting Act to insure that you exercise your grave responsibilities with fairness, impartiality in a manner which is FAIR AND EQUITABLE to me as the consumer! Inaccurate reporting impairs the efficiency of the banking system, weighs on my credit worthiness, and damages my character!
Consumer complaint received 2022-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (CA)

On XX/XX/XXXX I mailed the debt collector ( XXXX XXXX XXXX  XXXX ) a debt validation letter. On XX/XX/XXXX I received an improper debt validationXXXX XXXX XXXX XXXX XXXX sent me a package of validation that did contain information about the debt such as past statements. However it still lacked important information. Such as the official contract or document from XXXX XXXXXXXX XXXX that bears my signature stating I am the alleged bearer of the debt. Along with the official document stating that XXXX  XXXX has the legal right to collect the debt. They also have to send me their license # to collect debt in my home state of California and Pennsylvania where they are stationed. Lastly XXXX XXXXXXXX XXXX XXXX must send me all the information about the debt including how much they paid to purchase it. If XXXX XXXXXXXX XXXX XXXX does not get me all this information together in a proper debt validation by XX/XX/XXXX which is the deadline to their 30 day validation window. Then they have to remove the collection from my credit report from the three Bureaus and cease collecting the debt as is my right under the Fair Debt Collection Practices Act. ( FDCPA )
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Per CRA dispute in XX/XX/XXXX with the following USPS tracking numbers XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking numbers and XXXX Disputed Item Number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking numbers and EXPERIAN Disputed Item 1. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking numbers and XXXX Disputed Item XXXX 15 U.S. Code 1681a - Definitions ; rules of construction Even though the above CRA reported all disputed items were 100 % accurate, I believe most information and investigation process was one-sided and not fully in complaint per the following ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Since15 U.S. Code 1681a states clearly that " my consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer '', then it means that most of these information are not accurate and should therefore be classified as inaccurate. With not prejudice, my CRA investigation and information obtained from XXXX source, especially creditors is not accurate. 

Question ( s ) to the above CRA : How was the investigation conducted Who did the CRA spoke to How do you know these information is accurate per cyber security bridges and gaps where my information had been compromised and notified by the XXXX XXXX XXXXXXXX as a former XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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. (NY)

I have read that Experian is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Experian about the theft of my Individuality and that the items were never mine, Experian never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX
Consumer complaint received 2023-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I received notification on XX/XX/XXXX that my account was not eligible for reactivation due to concerns about my activity. However, I believe that this decision was made unfairly and without proper consideration of the circumstances. 

I am writing to express my disappointment and frustration at the decision to permanently deactivate my Venmo account. Despite patiently waiting for several years, I have been unable to access my account due to concerns about my activity that I believe to be false. 

I have read and carefully followed all the terms of service and have never engaged in any activity that would jeopardize the safety or security of the Venmo community. Therefore, I believe that my account was deactivated unjustly, and I can prove that I never broke any terms of service. 

I have been a loyal and responsible Venmo user for many years, and I have never engaged in any activity that would jeopardize the safety or security of the Venmo community. I have always followed the terms of service and have never violated any rules or regulations. Therefore, I am deeply confused and concerned about the reasons behind my account deactivation. 

I respectfully request that you review my account again and provide me with a clear explanation of the concerns that led to my account being permanently deactivated. I also request that you reconsider your decision and reactivate my account, as I believe that this action was taken unjustly and without sufficient evidence. 

I most recently spoke with XXXX XXXX on XX/XX/XXXX, but unfortunately, she was unwilling to assist me with reopening my account. 

I am deeply disappointed with the lack of support and assistance I have received from Venmo 's customer service team. I have waited patiently for five years after being wrongfully terminated, and I believe that reopening my account is a reasonable request. 

As I mentioned in my previous complaint, I have been a responsible and loyal Venmo user for many years. I have never violated any terms of service or engaged in any activity that would jeopardize the safety of the Venmo community. Therefore, I believe that my account was deactivated unjustly and without proper consideration of the circumstances. 

I respectfully request that you review my account once again and reconsider your decision to permanently deactivate it. I am willing to provide any additional information or documentation that may be necessary to resolve this matter.
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (AZ)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-03-30
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. (FL)

equifax reporting XXXX debt of {$41000.00} ; when it was disputed they simply sent their records showing years of this debt being in the record ; i have been unable to ascertain WHAT this debt is because i have recently been granted Total Permanent XXXX for my student loans. I can not begin to resolve this issue until i can determine 1 ) if this is a VALID debt 2 ) if this indeed a student loan, i need loan origination and promissory documents ; if not i am requesting this XXXX line item be removed from my credit report.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

ON or around XX/XX/year> I was contacted by who I believe to be XXXX XXXX XXXX XXXX ( XXXX ) to update my mortgage payments to ACH auto-payment center. I have paid my mortgage reqularly each month for the past 3 years only to recently learn that my home has actually been foreclosed and sold just a few weeks ago. I was never notified unil a gentleman came to my home to inform me that I needed to move do to the foreclosure sale. I am appealing this sale as the result of fraud and failure of notification. I just pulled my credit report and contacted the local Police Dept. I also found that someone opened up a fraudulent XXXX  account on or around the same time may have been intercepting any call from XXXX XXXXXXXX XXXX XXXX Please deleted or remove XXXX XXXX # XXXX. I am a victim of Theft by Deception. I am filing a complaint with the CFPB as well as FTC.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

I have been requesting that the following accounts be removed from my credit report due to them being a result of identity theft and fraud but has since been settled and for my credit report to be updated. The following accounts have XXXX balance to this date but are still reporting negatively on my report which is hindering me from purchasing my first home. I would also like the following inquiries removed as well. 
Closed accounts that should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in result of identity theft . Asked for proof of ownership as well as a signed agreement. The original creditor sold this account to a different company who was also unable to provide a purchase agreement, proof of ownership and any other documentation I asked for. This is not my account therefore this collection should be removed immediately. 
XXXXXXXX XXXX  XXXXThis account was opened in result of identity theft. I asked for proof of purchase as well as a signed agreement and was not provided with anything. This is not my account therefore it should be removed immediately. 

The inquiries that should be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (TN)

The account was paid in full in XXXX XXXX The payment took over a week to process. 

Received an email on XXXX XXXX XXXX that they confirmed a verbal authorization ( which they did not receive from me ) to change my renewal payment, frequency and total. 

My total went from {$0.00} to {$1200.00} I disputed this through XXXX. The status of this collection went from being " charged off. {$640.00} written off. {$850.00} past due as of XX/XX/XXXX '' to " Repossession. {$640.00} written off. {$1200.00} past due as of XX/XX/XXXX ''. The couch was not repossessed as I'm sitting on it right now. It was in fact, paid in full. 

I am including all payments made, correspondence, and screenshots proving that ( 1 ) this debt is paid off and ( 2 ) that this company is reporting false information on my credit report which is a violation under FCRA for which there is a fine for {$1000.00}. 

I would like this account removed from all credit reporting agencies and bureaus.