davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (WA)

On XX/XX/2023 at approximately XXXX PST, I received notifications that 3 credit card accounts had been opened in my name for XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these accounts to be opened, so I immediately contacted each of the credit card issuers to notify them of identity theft, and they all closed the accounts. I also locked my credit file with the credit reporting bureau Experian to prevent further identity theft activity.

Shortly after the incidents occurred, each of the credit card issuers sent me letters in the mail confirming that the accounts had been closed and that it was determined to be identity theft. I kept each of those letters and submitted them to the credit reporting bureau Experian in order to remove the 3 hard credit inquiries ( dated XX/XX/2023 ) that resulted from the fraudulent credit opening in my name. 

I first submitted this request to Experian in early XX/XX/2023 through mailed correspondence, and on XX/XX/XXXX, I received the results of my dispute ( report number XXXX ) which stated : " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. Since I disagreed with the outcome of the dispute, I used the online form to re-submit the documentation. This was done in mid-to-late XXXX, and the results for this updated dispute were available on XX/XX/2023. The report number was XXXX. Once again, the message stated : " DISPUTED ITEM NOT LISTED ON CREDIT REPORT. '' In addition, an email was sent to me ( attached below ) which stated that an identity theft report needed to be included with the dispute. I submitted a police report with my local jurisdiction of the XXXX Police Department that included all of the information that Experian requested. That is attached below as well. 

Today, on XX/XX/2023, I received the results of the updated dispute. Experian continues to claim that the " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '', but to add insult to injury, they are now claiming my request : was based on a material misrepresentation, or, [ I ] knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. 

This is after having to go through so many hoops with additional information requested. It seems to me that Experian is making the rules as they go along and are being extremely cagey about fulfilling my request to remove these clearly and obviously fraudulent credit inquiries.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX  XXXX Balance : {$9200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2018-08-12
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: JPMORGAN CHASE & CO. (MI)

Dear Sir, I have closed my individual chase credit card on XXXX XXXX by paying off complete balance amount to XXXX. My closed Individual credit card information is missing in the XXXX  credit report since XX/XX/2018. I have communicated to XXXX  about this card, right name and address along with various details. I have also communicated to Chase Credit Card Company to update the right status of closed credit card to all credit bureaus and also Information/Grievance is part of the CFPB records. Chase has responded to me and CFPB that CHASE credit has been paid and closed with XXXX balance on XXXX XXXX and also Chase has communicated to all the credit bureau that my credit card is closed on XXXX XXXX but this information is missing in the XXXX   Credit Report. I have only used chase credit card for my purchases [ all my transactions are part of the statements ] and used as normal credit card and I never ever used any kind of benefits from chase. 
Could CFPB kindly direct XXXX/Chase to update my closed chase credit card details in my credit report, which has been missing since XXXX. My closed individual chase credit should be part of the records for next 7 years.Its unlawful and fraud for removing my closed credit card details from my credit report.
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services (CA)

I have a XXXX realtors liscence and my company is sampignato.com. Buy and sell mostly luxury properties in cental and southern XXXX as in XXXX nigual or XXXX point. My credit scores are always between XXXX to XXXX or so. Purposely because its my funds to reinvest. Loans. Yesterday with no call, mail text.. from XXXX financial XXXX agouro hills XXXX XXXX XXXX bill. They sent to credit agencies a bill was not paid for XXXX XXXX My scores dropped XXXX pts. I had no isea what bill it was.. again they did not contact me at all.. phone is easy. Its illegal and of course mean. But my complaint not only one anout them. Turns out becsuse i was traveling for some time after selling my home in XX/XX/XXXX i had no forwarding address. For XXXX would i destroy my credit. .. this company has numerous violations of new laws .. the orig lender is san dieho gas and electric. Ive had extensive conversations today .. they are shocked at destroying my credit ( temporarily ) svore.. i was in process of looking and buying for last few months. So vacation rentals now at XXXX a vicious assalt at my age of XXXX gor XXXX $ and a bill i never was giving courtesy to pay. Once again this is illegal.. and of course very gang like.
Consumer complaint received 2023-07-11
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. (IL)

Hello, my name is XXXX XXXX, I am writing to report a distressing incident of identity theft that has caused significant harm to my financial standing. It has come to my attention that someone has fraudulently used my social security number to open multiple credit card accounts without my consent or knowledge. The unauthorized activities conducted under my name have resulted in a series of negative items on my credit report, which are entirely inaccurate and detrimental to my financial reputation. I am deeply concerned about the potential long-term consequences if these fraudulent accounts are not promptly addressed and removed from my credit profile. I kindly request your immediate attention and assistance in investigating this matter. I have taken the necessary steps to file a police report and have notified the affected credit card issuers. I have also placed fraud alerts on my accounts with the major credit reporting agencies. Considering the severity of this situation, I implore you to take immediate action to remove all negative items associated with these fraudulent accounts from my credit report. This will help restore my creditworthiness and prevent further damage to my financial stability. I have enclosed copies of the relevant documents, including the police report and any other supporting evidence, to aid your investigation. Please treat this matter with utmost urgency and provide me with regular updates regarding the progress made in resolving this issue. I greatly appreciate your understanding and cooperation during this distressing time. I trust that your expertise in handling identity theft cases will enable a swift resolution to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the provided contact information. Thank you for your immediate attention to this urgent matter. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 2023-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MS)

Me and my wife leased a apartment in Alabama named XXXX XXXX XXXX XXXX XXXX while living there the apartments did not hold up there end of the lease such as maintenance ( they where called to the apartment due to a broken dishwasher and while attempting to repair it flooded our apartment then looked at my wife and told her to clean it up this happened while I was over XXXX XXXX XXXX ) the apartment flooding caused mold to grow in the walls and the floor to bubble up the apartment was notified and became annoyed and stopped answering our calls they also had a flea infestation that they refused to take care of and our pets suffered severely from this they stopped cutting the grass for several months and the grass because very tall and after multiple complaints they cut everyone elses grass but ours they where notified of a beam supporting the patio above is cracking and sagging and refused to fix it so we gave them a 30day notice as was there policy that we would be breaking the lease and moving for our safety and a few months later we found a collection on our report
Consumer complaint received 2023-07-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (NJ)

Credit Control LLC doesn't have a license for the state of NJ to collect a debt which is illegal. Credit Control LLC violated federal law under the FDCPA the company needs my direct consent to contact me directly regarding an alleged debt 15usc 1692c ( a ). Credit Control LLC said I owed a debt which is a violation of 15usc 1692b ( 2 ) which they can not! Credit Control LLC is in violation 15usc1692a ( 4 ) a debt collector who's in the business in attempt to collect a debt. I am the creditor says 15usc 1692a ( 4 ).
Consumer complaint received 2018-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

XX/XX/XXXX I contacted XXXX XXXX to have my direct loan transferred to qualify for student loan forgiveness. I am a XXXX XXXX with XXXX XXXX XXXX ( XXXX, OH ) and have been paying my loans on time since XX/XX/XXXX. I believed I would qualify for student loan forgiveness based on the fact that my student loan payments increased yearly. I believed I was on the correct payment plan. I was never told by XXXX XXXX that I wasn't on the correct plan. When I transferred to XXXX XXXX they also didn't tell me, my loan payment dropped to $ XXXX. I thought it dropped because I qualified for student loan forgiveness and they were reducing my loan payment because I would soon be done with paying my loans. I didn't realize I would not qualify for student loan forgiveness until XX/XX/XXXXafter I  called XXXX XXXX  asking when my loans would be discharged. I called XXXX XXXX and was told I would have to change my loan repayment plan and it would take another 10 years of payments to qualify for student loan forgiveness. I WAS DEVASTATED, IN TEARS!!! That would be almost 30 years of payments. There needs to be better communication from the loan companies, I had no idea I was on the wrong plan. I was told by XXXX XXXX nothing could be done even though I've been faithfully paying my loans on time for almost 17 years.
Consumer complaint received 2023-07-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-11
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: EQUIFAX, INC. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 an 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 2023-07-11
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2023-07-09
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

Hard inquiries from Capital One : XXXX, XXXX 2023 on XXXX, And XXXX, XXXX 2023 on XXXX. 
I did not authorize/give consent to Capital One to furnish My Consumer Credit Report Per USC 15 1681b ( a ) 2 Nor was I fully disclosed of the credit report per USC 15 1681b ( b ) ( 2 ) ( A ) ( i ) A credit transaction took place upon an My Application of credit, that infringed on my personal privacy right by publishing a direct two party application. It also had an adverse impact upon my personal financial security and I was not compensated for the transaction. Per USC 15 1638 ( a )
Consumer complaint received 2023-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2018-03-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I had a XXXX XXXX loan serviced by XXXX ( i/a/o {$12000.00} ). Navient purchased the loan and took over servicing. I also have two other loans serviced by XXXX that are staying with XXXX. I received communication from Navient to continue making payment to XXXX and that Navient would receive any payments made during the period when the loan was crossing systems. Specifically I received an email on XX/XX/XXXX stating : " Expect a brief pause in service. It may take a few days to complete the transition. During this time, your account information will not be available. Any payments you make to XXXX during this time will post to your Navient account. '' On XX/XX/XXXX I received my monthly billing statement from XXXX indicating my payment was due on this loan ( i/a/o {$110.00} ) on XX/XX/XXXX. I made my payment on XX/XX/XXXX ( Saturday ) and it posted to the AES account on XX/XX/XXXX ( Monday ). I logged into my AES account on XX/XX/XXXX and the loan was no longer reflecting and the payment had been posted to my other two XXXX loans as an overpayment. I logged into Navient and did not see the loan they were purchasing so I waited a few days until I did see the account. It was reflecting a payment due on XX/XX/XXXX i/a/o {$110.00} ( which I had already paid to XXXX ). I also have not received a billing statement from Navient indicating the payment due ( as mentioned the XXXX payment had been included on the XXXX bill ). I emailed Navient on XX/XX/XXXX ( Tuesday ) asking why a payment was due on XX/XX/XXXX and why I hadn't received a billing statement from Navient or any other communication indicating that the loan had transitioned to Navient. The reason why I am able to log into Navient is that I had another loan with them ( which I repaid last year and thought I was done with them ). I haven't received a response from Navient so this morning ( Friday XX/XX/XXXX ) I called Navient to ask why the payment to XXXX hadn't been transferred to Navient and why I hadn't received any billing statement or other communication from Navient indicating the actual transition of the loan. The representative said that it was my responsibility to contact XXXX and ask for the money to be refunded and then to make payment to Navient. I think this is an unreasonable solution since I was billed by XXXX and paid XXXX. Navient purchased the loan and should have established processes to ensure uninterrupted service to the customer.
Consumer complaint received 2018-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I was duped into an interest-only payment plan, I was switched to a long term graduated repayment plan for 25 years. Now am paying nearly 100 % interest and making zero progress on principal. I was never notified how much interest I would be paying ( an exorbitant amount compared to principal ). I have not been paying these since XX/XX/2016 and have paid over {$26000.00} without anything being applied to principal ( {$65000.00} ).