davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: N.A.R., Inc. (FL)

Per my previous request from help from the XXXX, I filed a complaint against NAR - North American Recovery. They are collecting a debt on behalf of XXXXXXXX XXXX in which they state that they do have a signed consent form allowing XXXX XXXX to transfer my information to this collection agency. They have not provided me with any type of documentation showing that my information was allowed to be shared to NAR. I want confirmation and a copy of the documentation that has my signature or initials showing XXXX XXXX be allowed to share my personal information with NAR.

Previous NAR complaint response : Consumer Financial Protection Bureau To Whom It May Concern, Regarding the complaint filed by XXXX XXXX XXXX Our office has conducted a thorough investigation into the allegations made by XXXX XXXX. This will serve as our response. XXXX XXXX alleges that our refusal to settle his debt for less than he owes is a violation of the FCRA collection rules. He also states that he, never signed any disclosures stating that XXXXXXXX XXXX could transfer his personal information to a 3rd party. Finally, he alleges, This company NAR is contacting and attempting to collect a debt from me illegally. In response to XXXX XXXX allegations, our investigation confirmed that we have not violated any state or federal laws and that all of our interactions with XXXX XXXX have been fully within all applicable laws. We have not reported his account to any credit bureaus, so there is nothing for us to remove from his credit. We are collecting a debt XXXX XXXX owes to XXXX XXXX Furthermore, our office does not settle debts for less than what is owed. XXXX XXXX will need to pay the full account balance. Lastly, XXXX XXXX did, in fact, sign an authorization with XXXX XXXX that allows them to assign the account to us. We invite XXXX XXXX to call our office toll free at : XXXX and speak with one of our agents. We will be happy to process his payment for the full amount he owes. We now consider this matter closed. Thank you for your time. Sincerely, The Complaint Resolution Team N.A.R. , Inc .
Consumer complaint received 2022-09-22
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. (NM)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P. (FL)

THIS DEBT WAS PAID THROUGH ANOTHER COLLECTION AGENCY BY THE NAME OF NATIONAL CREDIT ADJUSTER, AS I AM REVIEWING MY XXXX  CONSUMER CREDIT REPORT I NOTICE THAT THE SAME DEBT AND ACCOUNT NUMBER IS BEING SHOWN ON THIS REPORT COMPANY NAME IS LTD ACQUISITIONS, STATING THAT XXXX XXXX XXXX IS THE ORIGINAL CREDITOR, WHICH THIS DEBT HAS BEEN PAID AND I HAVE A LETTER FROM NATIONAL CREDIT ADJUSTERS, STATING THAT THEY ASK FOR THESE ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORTS. THESE ACCOUNTS ARE DAMAGING MY CONSUMER CREDIT REPORT ALSO SO THAT ALL HAVE DIFFERENT DATES SHOWING ON ALL THREE REPORTING AGENCIES TO MANY DISCREPANCIES, INACCURACY. ACCOUNT # XXXX
Consumer complaint received 2023-03-29
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. (GA)

The XXXX, Experian and XXXX after I purchased a credit report with XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts. I included this in my last request and hoping that these accounts lates will be removed. 
XXXX XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2023-03-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, XXXX 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Made two separate payments to pay mortgage loan for XX/XX/2023. Paid XXXX to Mortgage loan under " other payment amount " to process partial payment. Did not use principal amount section online at all. Their app never said no partial payments, Confirmation # XXXX on XX/XX/2023. Then made second payment on XX/XX/2023, but processed on XX/XX/2023, for XXXX. Confirmation # XXXX. 

Did inquiry on XX/XX/2023 and was informed that I never paid loan statement for XX/XX/2023 and both checks were applied to the principal and I missed a payment. 

Customer service and Supervisor would not confirm a letter for correction but told me to check online it will show correction. No correction was done online. 

The name of the bank is Fifth Third Bank.
Consumer complaint received 2024-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a formal complaint regarding discrepancies in the credit reporting of my account, XXXX, with account number XXXX. The reporting of this account violates the Fair Credit Reporting Act ( FCRA ), as the information is inconsistent and inaccurate across multiple credit reports.

Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to investigate and verify any disputed information within 30 days of receiving a consumers request. Despite my efforts to dispute the negative information related to this account, the account has not been properly verified or corrected, in violation of the FCRAs standards for accuracy. 

Specifically, the balance discrepancies and late payment history reported are inaccurate & inconsistent across all XXXX major credit reporting bureaus, Transunion, XXXX XXXX XXXX. Given that these discrepancies are substantial and the account has not been properly verified, I respectfully request that the entire account be deleted from my credit reports in accordance with 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure maximum possible accuracy in the information they report. 

Thank you for your attention to this matter. I look forward to your prompt resolution of my complaint.
Consumer complaint received 2022-07-27
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXXXXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2023-01-26
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)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (NJ)

I was denied the best insurance rate by XXXX which relied on a report from LexisNexis. I contacted LexisNexis and requested a copy of my consumer report and referenced the inquiry from XXXX as the reason for my inquiry. After some time, LexisNexis wrote me informing me they could not authenticate my identity which is strange given they did so to XXXX. Thereafter, I completed another request for my file online. This time LexisNexis sent me an email asking to click on a link in order to verify my email address ... .however the link they sent does not work and returns a message that an error occured ... .once again quite strange. 
Clearly, LexisNexis is making it difficult, if not impossible, for me to access my file by claiming they can not authenticate me and then sending a broken link. It is very unfortunate and illegal for them to behave in this manner. 
Simply, send me a copy of my file as per the law and stop placing undue burdens in the path of the consumer.
Consumer complaint received 2023-09-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

I moved out of XXXX XXXX XXXX XXXX in XXXX Texas over 3 years ago. When I vacated the apartment I had documentation that I had paid the apartment complex the full and complete amount that was owed. I was never contacted by the apartment complex after I moved out. However almost 3 years after I moved out I got a notification that there was a collection placed on my account. I spoke with the debt collection company who refused to furnish proof that the debt existed, all they would do is tell me that the delinquent amount was from an unpaid utility bill. They directed me to speak with the apartment complex. I spoke to the apartment complex who was unable to locate any records that this debt existed or was owed by me. I have disputed this inaccurate and false collection with all three credit bureaus and it was successfully removed from both XXXX and XXXX. The debt collector refuses to remove this same collection from my XXXX report even though they did remove it from the other XXXX. I have also filed a complaint with the XXXX in an attempt to get this collection removed from my XXXX report. I have provided written documentation from the original creditor, XXXX XXXX  XXXX XXXX XXXX, which clearly states that they have no record of this debt. 
I have requested numerous times that the debt collector furnish the documents they possess that substantiate this debt. They are legally required to provide these documents upon request and they have failed to do so.. Rent recovery solutions is in violation of the Fair Credit Reporting Act. That action might constitute fraud and disparagement of credit under both Federal and State Laws.
Consumer complaint received 2024-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (OH)

I attended the XXXX XXXX XXXX XXXX from XXXX, and was misled by the school and forced to take a private student loan through Sallie Mae because they lied to me and told me my federal loan was all used up. The school has since been closed due to lawsuits against it and its parent company for many illegal practices which I was named a victim of. The Biden Administration just wiped out my federal loans because of this, and right now I am struggling with a wage garnishment for the private loan that was illegally forced on me while attending that school which is causing financial hardship and I should not have to pay. When I went in to the school office to go over my federal loans for the next year the person who was helping me seemed very off, she was very nervous, shifty, and really wanted me in and out of that office. She told me that in order for me to continue my education I had to take a private student loan through Sallie Mae as my federal loans were gone. She didnt give me any other option, would not explain why and basically forced me to sign the agreement with Sallie Mae . She gave no other options, just told me that unless I wanted to be kicked out and not get my degree I had to take that loan and nothing else. It seemed very wrong at the time but I was afraid Id be kicked out of the school like she said if I didnt take the private loan. Now I have a degree that isnt worth anything because of the schools misconduct, as the school backed out on everything they promised us as students, lied to us about numbers and jobs, etc. Im now in a financial hardship over a student loan I shouldnt have had in the first place and was forced/manipulated into by illegal means. I should not have to pay it and if possible should get back some of the money I had paid and was forcefully taken out of my paycheck as garnishment.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-04-01
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. (AR)

I am submitting this CFPB Complaint to dispute the presence of certain items on my credit report, that are fraudulent. I have previously disputed these items, but they continue to be reported on my credit file. I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$400.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-08-31
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. (IL)

Accounts opened using my personal information that are not mine. 
XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX ( Balance {$290.00} ) XXXX XXXX  XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX  XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Open Date : XX/XX/XXXX ( Balance {$290.00} ) XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # : XXXX Open Date : XX/XX/XXXX ( Balance {$1100.00} ) XXXX XXXXXXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX ( Balance {$710.00} ) XXXX XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX  Account # : XXXX Open Date : XX/XX/XXXX ( Balance : {$870.00} ) XXXX XXXX XXXXXXXX Account XXXX : XXXX Open Date : XX/XX/XXXX ( Balance : XXXX ) False 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX False Personal Information XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX