davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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. (NC)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$240.00} ( Original Creditor : XXXX ) XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$750.00} XXXX
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 removed : 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 2023-04-12
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. (NJ)

I've found that my credit report has erroneous information for the third tie now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-11
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. (CA)

In accordance with the fair credit reporting act XXXX  accounts CREDITOR / COLLECTOR : XXXX XXXX  Account Number : XXXX BALANCE : {$650.00}. 


CREDITOR / COLLECTOR : XXXX  XXXX Account Number : XXXX BALANCE : {$600.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$0.00}. 
CREDITOR / COLLECTOR : XXXX XXXX  XXXX Account Number : XXXX BALANCE : {$510.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$1600.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$670.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$710.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX  XXXX Account Number : XXXX BALANCE : {$700.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$650.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX  Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX  Account Number : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX  Account Number : XXXX BALANCE XXXX {$510.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$1600.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$670.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$710.00} CREDITOR / COLLECTOR XXXX XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$650.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$600.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX  Account Number : XXXX BALANCE : {$510.00} CREDITOR / COLLECTOR XXXX XXXX XXXX Account Number : XXXX BALANCE : {$1600.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$670.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$710.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number XXXX XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$75.00} The Credit Bureaus stated my account was properly investigation but how is that possible is the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, this ground for removal 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 a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MT)

I am a current victim that got their identity stolen through XXXX security breach that affected over 340 million people. I was applying for loans online. On XX/XX/17 One called me and I assumed it was because I applied to them and come to find out they found my info on the internet and offered a loan approval just have to verify checking account by them sending a TREASURY check to me and I needed to XXXX XXXX it back but XXXX XXXX was closed so bought {$850.00} XXXX cards with my debit card and pin to complete the transaction. On XX/XX/17 I looked on my online banking and saw that they did put that amount in and so swiped my credit card that Wells Fargo did not catch this security breach of my identity and allowed a card that technically had the amount in it by was not cashed yet. XXXX supports legal rights of the banking company to dispute all charged, fees, and loss of my personal money that was In their. Wells Fargo states it 's impossible for scammers to get my online banking login information, without me telling them! I have supported documents to prove that statement false by XXXX. I 've talked to many Wells Fargo reps, been in store with managers, made police report, made lawyer aware and still they refuse to budge. Stating that i did give the scammer my login information which is a accusation that is discriminating with no facts to support Wells Fargo Accusations. I had to call wells Fargo yo find out my account has been overreacted the amount that I saw was available. Also I did not know it was sent through my online banking because no alert was made and figured they wired it to my account, which is why I made sure the funds were in my checking that were authorized and to run my debit with pin knowing my card would n't go through if the check did n't because of having only {$200.00} in my checking at the time. They corrupted my credit score to retired and false work information that prevents me to get any other credit line since that 's what I needed in the beginning before I became more XXXX for lack of security attention.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (WA)

FedLoan has 2 loans listed on my credit report that are held by XXXX now. They refuse to remove even after submitting a dispute through XXXX XXXX to have them removed due to them being duplicates. I have attempted to call FedLoan directly but there customer service number just disconnects.
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

About a six months ago, I received a dunning notice in the mail from Procollect , Inc, which is a third party collection agency located in XXXX, Texas. Apparently, this notice was sent in reference to an alleged debt that was created by a broken lease from XXXX XXXX XXXX, located in the same city. 

On XX/XX/XXXX, I mailed Procollect, Inc. a letter requesting validation of this alleged debt in accordance to Texas Finance Code 392, which states that a consumer has the right to request full proof of the validity of a debt -- along with some kind of formal proof of contractual obligation which binds me to said debt ( i.e., a contract with my signature on it. ) Procollect, Inc. received my debt validation letter on XX/XX/XXXX ; and therefore, had until XX/XX/XXXX to furnish this information. 

About two weeks later, I received a response in the mail from Procollect, Inc., from what appeared to be an attempt at debt validation, but after full careful review of those documents ; unfortunately, they 've fallen short of the XXXX 's full validation guidelines.
Consumer complaint received 2017-12-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (FL)

I received the attached email message this evening asserting that I have a past due amount ( see XXXX ). However, I have no amount that is currently due and have either paid the minimum amount due or in excess of such amount each month. Attached are my statements from the last three months, each prepared by the servicer after monthly payments were due, and a record prepared by the servicer of my payments for each month. The servicer failed to apply a payment I made on XXXX XXXX, XXXX ( see attached Discover Payment History and Discover XXXX XXXX, which states that I have a past due amount ). In addition, the servicer is demanding payment based on my XXXX statement ( attached ), despite that I made a payment on XXXX XXXX, XXXX without having a statement available at such time ( see Discover Payment History ; note : the XXXX statement was not created and uploaded into my account until XXXX XXXX, XXXX, after I complained to a supervisor named XXXX ). The servicer 's demand for payment on XXXX XXXX and this evening constitute a deceptive practice ( see 12 USC 5536 ( a ) ( 1 ) ( B ) ; see also Section 5 of the FTC Act for the definition of " deceptive '' ).
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX and there is XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Please keep in mind that XXXX ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was doing my regularly credit report check and noticed that there was a strange account from XXXX XXXX XXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The account was opened XX/XX/2022 ( 8 mos ) and shows as open. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.
Consumer complaint received 2023-04-11
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. (LA)

According to 15 U.S. Code 1681b ( a ) ( 2 ) without written consent specifically from the consumer, companies or credit reporting agencies are not allowed to report any information on my credit report. I never gave any company that is reporting accounts on my credit report my permission to report any of these accounts onto my credit report. This leads way to identity theft. Due to this drastic mistake I am asking that these accounts be removed according to 15 U.S. Code 1681c-2. None of these accounts report any transaction that was made by the consumer and must be removed immediately within the 4 day time window. I have sent every company a certified mail letter explaining these discrepancies but nothing has been accomplished. I am a federally protected consumer and should be treated as such.
Consumer complaint received 2017-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

Today, XX/XX/2017, I received XXXX emails in a row informing me that my account had been put into an " administrative Forbearance '' based on my request that I never made. There was no information available in my account online to show what this was for. Navient has taken over from my previous lender XXXX just a few months ago, at the end of XX/XX/XXXX of this year. In the process of the switch we followed ALL instructions from XXXX and Navient and stayed 100 % on every payment. My phone call to Navient told me I did not have a choice on the forbearance since my account was DELINQUENT. I have not missed a single payment and all Navient could tell me was that it was delinquent but not how or why. She said " it must have been with XXXX ''. That is 100 % incorrect. I requested an immediate cancellation of this " administrative forbearance '' but have no documentation to prove it. 

I also applied for educational loan forgiveness through DOE and they have had 3 months to respond. In the phone call this morning I was informed they declined the forgiveness for the 3rd time due to something my employer was asked to fill out. I now have to fill out all of the paperwork and submit to my employer a 3rd time.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (NJ)

Hello, I am writing to dispute the inaccurate and unverified information that is being reported on my credit report by several creditors. I believe that these creditors have violated a number of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

One specific violation under FCRA is the inaccurate reporting of my addresses and other personal information. My current address is XXXX XXXX XXXX, XXXX, NJ XXXX, but the credit bureau has reported multiple other addresses that are not accurate, including XXXX XXXX XXXX, XXXX, DE XXXX and XXXX XXXX XXXX, XXXX, DE XXXX. This inaccurate information has caused confusion and difficulty in accessing credit, and is a clear violation of FCRA. 

In addition to the inaccurate reporting of addresses, I have also experienced other violations such as harassing and abusive debt collection practices by some of these creditors, including attempts to collect debts that are not owed and failure to provide required disclosures under the FDCPA. 

Furthermore, I have been denied access to my free annual credit report and the creditors have failed to properly handle identity theft claims under FACTA. TILA violations include the failure to provide required disclosures related to loans or credit card accounts, and RESPA violations include the failure to provide required disclosures related to mortgage loans or settlement procedures. In addition, I believe that I have been subject to discriminatory lending practices based on my race, gender, or other protected characteristics under ECOA. Finally, there have been instances of unauthorized charges and the failure to properly handle billing disputes under FCBA.

These violations have had a significant impact on my life. I have been denied credit and other opportunities due to the inaccurate information on my credit report. It has been extremely difficult to correct these errors and I have suffered emotional distress and financial hardship as a result. I have been actively working to improve my credit score, but the inaccurate and unverified information on my credit report has made it nearly impossible.

Therefore, I am requesting that the creditors remove the unverified accounts from my credit report immediately. I also request that you take appropriate action to enforce the laws that have been violated by these creditors. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-11
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. (TN)

Please remove the following unauthorized hard inquiries from my credit report : XX/XX/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
Consumer complaint received 2017-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CT)

Please be advised of the following. The response from XXXX XXXX to the Consumer Financial Board states the following : " Sent to company STATUS Sent to company on XXXX/XXXX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Company still working STATUS Company response is in progress as of XXXX/XXXX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE When we were notified of this case, we sent you a letter letting you know we received it. We also called you at XXXX, on XXXX XXXX, XXXX, to discuss the situation. We left a voice message with our name and contact information for a return call. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. '' I checked my telephone and there was no record of a message or telephone call. The fact that JP Morgan will again use the same old tired tactic of " researching complaint '' is a tired trick by a dishonest and greedy institution. 
Just wanted to have this on the record. They have excelled in the art of deceptive mortgage practice and by stalling they hope to frustrate the consumer. Not me. Will not happen.