davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account XXXX in XXXX XXXX XXXX This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXX  late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Consumer complaint received 2017-11-16
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Experian Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. Sincerely XXXX XXXX
Consumer complaint received 2024-08-28
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. (MO)

I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 

Your agency is in violation! 
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 information is inaccurate.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account XXXX in XXXX XXXX  XXXX This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXX  late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Consumer complaint received 2017-11-16
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. (FL)

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Equifax XXXX Experian Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. Sincerely
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

I was notified by mail that I am a victim of the Equifax Data Breach upon reviewing my credit report after being concerned there are 3 accounts on my report that were removed earlier this year after disputing and and then re inserted sometime without the proper notification. The FCRA states they must send me notification within 5 days of the account being added or reinserted back to my report not only is the account info incorrect Equifax failed to send me notification of the accounts being reinserted. Equifax needs to remove these accounts immediately from my report. 
1. XXXX- XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX- EQUIFAX ALSO LIED TO ME ON SEVERAL OCCASIONS THIS YEAR refusing to correct my address STATING THEY NEVER HAD MY PICTURE ID OR SOCIAL SECURITY CARD ON FILE TO REMOVE FRAUDULENT ADDRESSES AND AFTER VIEWING THE LETTER OF THE BREACH IT SHOWS I INDEED SENT MY INFO AND THEY HAD MY DOCUMENTS ON FILE ALL THAT TIME. DOCUMENTS DATING BACK TO 2015 they only corrected this after sending complaints to the CFPB this alone shows this company can not be trusted. 

Here is the exact law pertaining to this situation : 15 U.S. Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii )  Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2017-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education ()

I contacted XXXX to tell them that I wanted any payments in excess of my minimum payment to be allocated to specific loans ( ie the loans with the highest interest rates ). They told me there was no way for them to do that and that additional payments would be treated as payments in advance and such additional amounts would be allocated equally among all loans of various interest rates. I told them that this was unacceptable and that alternatively I could provide the exact amounts each month that should be allocated towards specific loans from the aggregate autopayment. They said they could not set this up in advance and my only option was to call them by phone each and every month after the date on which an additional payment had been made and request that such additional payments be reallocated after the fact ( which would require the phone representative to email their accounts team who would effect the reallocation within 3-4 business days ). There would be no confirmation provided to me and if any error I would be forced to contact customer service again. 

This process is administratively burdensome ( I spent 40 minutes on the phone with them ),  potentially fraught with human error and I feel designed intentionally to prevent me from allocating additional payments to my highest interest rate loans.
Consumer complaint received 2017-11-15
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: BB&T CORPORATION (TX)

BB & T investigated fraudulent inquries from regional acceptance on my credit report. Their investigation was simply seeing if my information matched the address I put on the consumer dispute. This was not a thorough investigation and they said my credit was ran XXXX times. That should be a flag within itself.
Consumer complaint received 2017-11-16
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

Navient is continuing to add and subtract balances from my accounts. This is adversely affecting my credit score. I am currently in the process of purchasing a house for my growing family and their frequent updates are detrimental to this process. For the record, they do not have my correct contact information and I was not notified that my automatic payments stopped. I only realized it when I received an alert through my credit monitoring service when they posted late payments on my credit report. I did not stop the automatic payments and was puzzled when I received those alerts. 
I respectively request that the late payments from XXXX be removed and set to current. Once I realized auto payment had stopped, I called Navient and had auto payment reinstated which should have never stopped in the first place. Also I request that any student loans over 7 years old be removed from my credit report, as that is more than the SOL ( Statute of Limitation ) for my state. Again, I need this done ASAP as Navient is doing illegal collection and reporting practices which is negatively affecting my family way of life. 
I am also a military veteran and while looking into my Navient account I see that I have two stafford loans, one college advantage and one career training loan. My wife handles the bill so this was my first time logging into account to see. I dont remember applying for these loans. Both organizations XXXX XXXX and XXXX XXXX OF XXXX said that they was using my GI Bill. I assumed that I was repaying back for the GI Bill sense I had to stop going to both organizations due to personal issues. I do not remember signing anything for these loans and would like to request verification of debt for both organizations showing original documentation that I did contract with them for these loans.
Consumer complaint received 2017-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

This is related to complaint XXXX The issue with Santander has not been resolved. Santander took my XXXX XXXX XXXX payment and applied it to the loan. This shouldnt have happened ; since mortgage payments are made in advance only interest for XXXX XXXX through XXXX XXXX XXXX should have been charged. I was charged XXXX in interest plus an additional partial interest payment of XXXX presumably for XXXX XXXX through XXXX XXXX XXXX dates even though my loan was paid off on XXXX XXXX, XXXX. The XXXX XXXX, XXXX pay off date was confirmed by Santander. This practice is outrageous, deceptive, and if it isnt already, should be criminal. Why is principal and full interest for the month of XXXX being applied to a loan that was paid off in early XXXX, as well as additional interest being applied? 
I request the following : The additional refund outlined below be returned to my Santander checking account no later than end of business Friday, XXXX XXXX, XXXX. The XXXX interest is owed back to me, as this was an interest calculation for the full month of XXXX, and I was already charged a partial interest payment of XXXX. 
A detailed explanation of the partial interest calculation on what ending principal balance- although it should be for the XXXX ending balance of XXXX as well as how many days interest the calculation was based on. 
A full refund of the so called XXXX payoff and XXXX mortgage release fees because of this nonsense Santander is trying to pull.
If Santander does not comply with the above request by Friday, XXXX XXXX, XXXX deadline, I will be sue the bank and go public with this story. 
In regards to Santanders letter dated XXXX XXXX, XXXX it doesnt matter that I didnt contact them to cancel the pre-authorized monthly payment- the payoff should have been calculated on the ending XXXX balance, and not handled such a underhanded manner. Further, I dont believe that it takes ten days to clear a check from a nationally known, reputable lender- another load of baloney.
Taking out the loan with Santander Bank was a terrible experience closing on my home was significantly delayed because Santander kept requesting additional information that had not been previously requested and now closing/paying off the loan has been even worse, as Santander is trying to cheat me out of money. Santander does not treat its customers well and practices incompetent and deceptive practices.
Consumer complaint received 2017-11-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Travelex NY, Inc. (FL)

XXXX XXXX, 2017 Exchanged {$1200.00} USD for {$920.00} Euro ( see attached ) I even did more than I wanted to because they offered a 3 % discount if it was above {$1200.00}. ( this is the part that bothers me most, not only did I not get a discount they even increased the exchange to their favor,  a complete lie ). 
The published exchange rate was XXXX The given exchange rate was XXXX They said this is the cost of business. 
I was n't aware of the price gouging until I reached my destination where they gave me the fair value in trade. 
When I returned to US I called Travelex XXXX XXXX to complain. They said I should have not done the exchange if I did n't like the rate. Again, I was n't aware of the gouging until I got to my destination. I figure the exchange cost me an added {$200.00} from the unfair exchange.
Consumer complaint received 2017-11-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

At one point during the repayment of the loan, my Grandmother was making payments for me. She does not know much about principal and interest. However she would make every payment on time. They were months were she would send a check in to Navient ( possibly XXXX XXXX at this time ) and the money would not be deducted from her bank account within a reasonable time period for that form of transaction. She called customer service to complain about this problem as it happened again this particular month. She explained to them that she has been sending in payments and that they have been coming out weeks after she sent in the check. The customer service representative told her that there may have been a backup in their systems and that they have not processed the check yet. However, I believe that this was apart of the bigger scam of Navient ( XXXX XXXX ) holding payments to maximize interest and minimize your principal payment in order to keep you in the loan terms longer. The very next day after this call they somehow found her check and processed it. They have been practicing dirty business for a while now, and it needs to be stopped.
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc. (AZ)

On XXXX XXXX 2017, I received an alert from my credit bureau that a collection account had been added to my credit report. The collection account was from Stellar Recovery, XXXX XXXX XXXX, XXXX, FL XXXX. The collection amount was {$1300.00}. The original creditor was XXXX XXXX. I have no idea where this account came from. I have not lived in an area even serviced by XXXX XXXX for almost 10 years. I request that Stellar Recovery immediately remove this incorrect account from my credit report. If they have any written proof of the debt, I request that they provide this to me asap. I have not had an account for at least 10 or 11 years. I request that someone look into the collection practices of XXXX XXXX, as I have heard nothing but horror stories.
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Management Solutions, LLC (GA)

Financial Management Solutions are reporting and attempting to collect on a debt that is n't mine. I did n't have anything with XXXX XXXX XXXX XXXX ... I do n't know what it is for or how they are even reporting. I have tried to call both companies & they can not find my info. The debt is past the statute of limitations and its NOT MINE!
Consumer complaint received 2017-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: North American Credit Services (FL)

Starting on XX/XX/17 and everyday since, I have been receiving calls from this number and the caller ID says it is XXXX XXXX. Normally I just hang up the phone and file a complaint as I am on the Do Not Call registry. Today I answered it and it says we have some important information for XXXX XXXX is this you press 1, so I did and now I find it was North American Credit Service calling about a debt collection and not a Telemarketing phone call I thought it was. To me this is very misleading way to get people to answer phone calls
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC (UT)

Omega RMS is reporting and attempting to collect on a debt that I absolutely do not owe. It is for XXXX  XXXX XXXX whom I signed up with to help me find a quality person to date. The first person they connected me with is a stalker and still stalking me today! I have a protective order against him and they obviously did n't check his back ground. They put my life at risk! I was told they would adjust the bill. If they do not adjust the bill then I will take legal action as I have already consulted with my attorney.