davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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. (CO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-10
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. (MO)

While reviewing my most recent credit report ( s ), I noticed fraudulent inquiries that I do not notice nor did I authorize anyone to pull my credit report. The inquiries are as follows below PLEASE REMOVE THE FOLLOWING FRAUDULENT INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please validate XXXX with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C 1681b ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$XXXX} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek damages which are greater than {$XXXX}. Send payment immediately via Certified Funds to : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

This complaint is an updated submission related to my previous complaint against Experian and XXXX. My original complaint did not include complete information about the debt inaccurately reported by XXXX XXXX XXXX. 

The original creditor for this debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX. This account has been illegally re-aged and is listed with a false Opened Date of XX/XX/year>. The original delinquency date is over XXXX XXXX XXXX, making it time-barred under the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, the credit bureau has failed to verify the accuracy of this information, causing a XXXX drop in my XXXX XXXX and impacting my financial health. 

Previous CFPB Complaint ID : XXXX and XXXX Thank you.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-10-10
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 trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2017-09-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

Rushmore Loan Management is trying to collect on a debt that does n't exist. Rushmore has illegally put my mortgage loan in default since receiving my loan in XXXX XXXX. I 'm providing my final and last mortgage statement prior to the transfer. Rushmore has the principle balance wrong. I also had unapplied funds which they have n't applied to the principle on my loan. In fact, the funds have disappeared. 

I want Rushmore to correct the principle balance and take my loan out of default. There have been significant violations of the Fair Credit Reporting Act. They should be fined for not having the correct principle balance and trying to collect on a debt that does n't exist. Also, the unapplied funds need to be applied toward the principle on the loan. 

I 'm attaching XXXX XXXX final mortgage statement prior to transfer. The XXXX XXXX XXXX mortgage statements shows the correct principle balance and it also shows it was current at time of transfer. You 'll notice, there are n't any late fees or any unpaid balances. 
I 'm also attaching Rushmore 's payment history which was provided to me in XXXX XXXX. This is Rushmore 's own data records. I marked all the payments that Rushmore received. There are NO missing payments. In fact, it shows they have the wrong principle balance from the start. It also shows they have assessed 2 false late charges. It also shows that they never applied my unapplied funds from XXXX XXXXXXXX XXXX. The only payments that Rushmore 's payment history does n't show are the XXXX and XXXX payments. The proof of payments are included. 

Please also see the most recent Rushmore mortgage statement for XXXX XXXX. The XXXX payment is the only payment due but they are reporting on their statement that they have n't received the XXXX XXXX payment but, they have received it. 

I 've attached the XXXX and XXXX XXXX payments and the signed receipt of when Rushmore received my payments. Once again, they lied saying I was late with payments when they signed for my payments prior to the XXXX of the month. 

I 've also attached the XXXX tax mortgage statement form. This is also Rushmore 's document. Please note, they had my loan in default from the onset of receiving my loan because they have noted " property preservation " fees since XXXX XXXX. Property preservation fees are only applied when a loan is in default and in foreclosure. 

Regards, XXXX XXXX
Consumer complaint received 2017-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jvs group (TX)

XX/XX/XXXX I sent a letter form to JVS Group requesting information about a debt that was on my credit report for {$350.00} from XXXX XXXX XXXX I was not aware of and explained how I was involved with this agency. I requested information regarding the alleged charges, who authorized them to collect, amount allegedly owed by me and proof of my agreement to pay this bill due. I ask for the debt to be validated with a copy of an agreement showing my signature where I agreed to pay this bill. I did not receive the requested information in their response I received on XX/XX/XXXX to this date of writing. However I did receive a very rude and obnoxious letter from them telling me not to send them my form letter again! and will honor my request for information which they did NOT do. I have not received the information that I requested from them within the 30 days required by law. I will attach the letter I received from this company along with this complaint. I requested what is within my legal rights and per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that validation of the account is required. What I received was a single sheet of paper ( attached ) with notations showing an amount, date, and my name. This is NOT validation that I owe a debt. Attached is the original form letter I sent requesting information also as I am not a lawyer and wanted the letter to be as correct in what I was requesting. All I got back was their FORM letter saying they are sending me the requested information, and did not.
Consumer complaint received 2017-05-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have  two student loans with Navient, one was charged off, the other one  remains in good standing. My loans have been deferred while i 'm in school, I have never been out of school. This information can be verified via student clearinghouse. I recently discovered upon checking my credit report, that Navient charged off  one  of my loans, and is now having a collections agency collect funds on the loan. Prior to the loan being charged off, I never received any correspondence via telephone or mail. Navient did not make an attempt to contact me at all regarding my student loan. Upon discovering that my loan was charged off, I immediately contacted navient via telephone. I was informed that my loan had been charged off because I stopped attending school. This information was incorrect, as still to this date, i have never stopped attending school. If this were correct, then why had n't my other student loan with them also been charged off? The other loan still displays a " deferred '' status. I explained to Navient that I was never contacted regarding my loan, and to please provide me with when they attempted to contact me before placing my loan in a charge-off status. I was not given the information, and was told that I needed to speak with the collections agency, as nothing else could be done.
Consumer complaint received 2023-05-09
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. (TX)

Equifax Credit Bureau has violated my rights under The Fair Credit Reporting Act ( FCRA ), which is the federal law that regulates credit reporting agencies and compels them to insure, that the information they gather and distribute is a fair and accurate summary of a consumers credit history, Equifax has failed in its duty. On XX/XX/2023, I filed a complaint # XXXX regarding debt collector XXXX XXXX XXXX XXXX and its fraudulent, identity theft account being reported to Equifax credit bureau XXXX Equifax has failed to adequately investigate, this inaccurate, fraudulent, identity theft account and have ignored the police report submitted to them showing proof that this is indeed a fraudulent, identity theft account. XXXX and XXXX have completed its investigations and have successfully proven this debtor collector to be a fraudulent account and have removed said account from its credit bureau XXXX XXXX. However, Equifax is for whatever reason still reporting and refusing to remove this inaccurate, fraudulent, identity theft account from its credit report system.
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (FL)

My consumer report shows accounts tied to identity theft that I never approved in writing or with a wet signature. I recently contacted you about this and now formally demand these accounts be blocked and removed from my report immediately. These false entries have caused me serious distress and misrepresent my credit history. If not fixed promptly, I'll take legal action to protect my rights. These fake items have stopped me from reaching key financial goals like buying a home and supporting my family.
Consumer complaint received 2023-05-09
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. (SC)

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct the accounts from my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm alerting you to fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my knowledge or agreement, causing me significant worry. I'm a victim of identity theft and have already reported this. It's vital to address this quickly, as it's harming my finances and reputation. Please help by swiftly removing all fraudulent info from my credit report and thoroughly investigating this. I'm ready to provide any needed evidence and, if necessary, take legal steps to defend my rights and seek compensation. Your quick action on this urgent issue is greatly appreciated.
Consumer complaint received 2024-10-10
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. (CA)

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX In addition, I am requesting for a copy of the XXXX filed for the charged-off debt. XXXX must provide this to me, as the consumer, or you will be neglecting to comply with XXXX law. This leaves me no choice but to assume that you have neglected to comply with XXXX law by not filing a XXXX as mandated. Consequently, I am compelled to inform you that I will report XXXX to the IRS for XXXX XXXX XXXX using Form XXXX if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a XXXX form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding VERIZON accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Consumer complaint received 2024-10-10
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. (VA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education (CA)

I applied for an in-school deferment the first week of XXXX for the XXXX semester commencing XXXX. I meet Federal deferment guidelines because I am enrolled in at least half-time units. My application was rejected because XXXX, the administrator of my student loans, stated that my college had reported that I was, at the time, enrolled in less than 1/2 time units. However, I had submitted the application for the XXXX semester and the form was completed by my college 's registrar. I was also informed that an updated Deferment Application form was available and that I needed to complete that form. Please note that the form contained and required identical information as the one I had submitted in XXXX. Nonetheless, both I and my college 's registrar completed the new form and I submitted it in hard copy by U.S. Mail the first week in XXXX. I also uploaded it to XXXX 's website. XXXX again rejected my application erroneously claiming that my college registrar had not completed Section 4 of the form. This was absolutely incorrect. I called XXXX and confirmed with their representative that the form indeed my college had completed Section 4 of the form and that they would reconsider the application. I called again on XXXX, to learn the status of my request and was told that it would take at least two more weeks to consider the application. XXXX has erred at every step of my application process. I asked to speak to a supervisor when I called today, XXXX, and after waiting on hold for several minutes, was told that " no one was available and try calling back later. '' I stated that I would prefer to remain on the line because it had been two months since my initial application and that XXXX repeatedly rejected my application due to XXXX 's own errors. I was placed on hold again for several minutes and was again told that no one was available. However, I was told that someone would call me back today. Because I have repeatedly been given incorrect information by XXXX, I am concerned that they are not complying with Federal guidelines with respect to In-School Deferments. I would greatly appreciate your assistance with this matter.
Consumer complaint received 2023-05-09
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. (NY)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX