davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

The company, Portfolio Recovery Associates, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$460.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXand XX/XX/XXXX of the debt and the account however the business failed to provide adequate proof ( contract, signature, etc.. ) regarding the alleged debt. Considering this business does not have a contract with me for goods or services and was unable to provide a signature or contract from me, I am not obligated to pay for the alleged debt. I have also filed a complaint with the BBB regarding this collection agency and its policy and again they have failed to provide proof or even acknowledge the debt in any substantial way, which has left this matter once again unresolved. This specific account is affecting my credit history with its unsubstantiated inaccuracies.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

According to XXXX University, I received an over payment of a refund on one of my XX/XX/XXXX Student loans in the amount of XXXX, however this amount was a charge for hard-copy books from the Spring XX/XX/XXXX semester, which was incorrectly charged to my account because I was an XXXX XXXX, I did not receive hard-copy books. I did contact the book vendor, XXXX at XXXX XXXX and she had no record of my receiving said books. when reviewing my XXXX acct I saw XXXX has carried this charge since XX/XX/XXXX adding it as a collection account on my credit report in XX/XX/XXXX. According to the Federal Student Aide Information Representative that I spoke with XX/XX/XXXX, I do not owe XXXX any monies, I was not overpaid on any refunds and XXXX was paid in full and my XXXX account was closed. I recently reviewed my credit report I sent in adispute and in the results if that dispute, I saw a collection acct had been added to my credit report by XXXX for this amount and this is how I found out they are saying I owe them XXXX.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

According to XXXX University, I received an over payment of a refund on one of my XX/XX/XXXX Student loans in the amount of XXXX, however this amount was a charge for hard-copy books from the Spring XX/XX/XXXX semester, which was incorrectly charged to my account because I was an XXXX XXXX, I did not receive hard-copy books. I did contact the book vendor, XXXX at XXXX XXXX and she had no record of my receiving said books. when reviewing my XXXX acct I saw XXXX has carried this charge since XX/XX/XXXX adding it as a collection account on my credit report in XX/XX/XXXX. According to the Federal Student Aide Information Representative that I spoke with XX/XX/XXXX, I do not owe XXXX any monies, I was not overpaid on any refunds and XXXX was paid in full and my XXXX account was closed. I recently reviewed my credit report I sent in adispute and in the results if that dispute, I saw a collection acct had been added to my credit report by XXXX for this amount and this is how I found out they are saying I owe them XXXX.
Consumer complaint received 2024-10-13
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (PA)

13 years ago we got this mortgage through one loan company and paid XXXX a month since then this has changed hands 3 times now pay over 600. only options current mortgage holder has given us is loan modification. also believe we had a fha loan now not so sure this is true anymore. during winter months husband laid off and summer I 'm laid off. fell behind 8 years ago when husband XXXX XXXX and me 4 years ago when was XXXX XXXX. try to talk to them but all they are worried about is getting there money, I 've even went with out medicine before to make a payment.
Consumer complaint received 2024-10-13
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. (NV)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

For over a year Experian has refused to update and correct my credit file The information that they have on their site has not been updated since XXXX of 2023 They also refuse to allow other companies to get my credit file Everytime I apply for something the company states that they can't get my credit
Consumer complaint received 2024-10-13
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. (CO)

I SENT DISPUTES IN 0VER 7 WEEKS AGO. THE ACCOUNTS WERE NOT PROPERLY VERIFIED, NOT DELETED AND ARE STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. THE ACCOUNTS THAT I WAS DISPUTING WERE INACCURATE AND NOT PROPERLY VERIFIED., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY. ( I DEMAND THAT THE ACCOUNTS BE DELETED BECAUSE THEY ARE SHOWING SEVERAL INACCURACIES IN REPORTING ON MY CONSUMER REPORT. HOW CAN THE SAME CREDITOR HAVE DIFFERENT INFORMATION AMONG 3 DIFFERENT CONSUMER AGENCIES? THEY CAN NOT, AND THIS A VIOLATION OF THE FCRA, AND ALL ACCOUNTS THAT ARE NOT VERIFIED AND NOT ACCURATE MUST BE DELETED AND BLOCKED FROM MY CONSUMER REPORT IMMEDIATELY. ) I HAVE COPIES OF THE INACCURACIES, AND IF THEY ARE NOT DELETED I WILL PROMOTLY START THE LITIGATION PROCESS THROUGH THE CFPB PORTAL AND A CONSUMER ATTORNEY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ALSO HAVE LOANS WITH ( XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ) SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY WHICH IS INACCURTAE. I HAVE NEVER LATE ON ANY PAYMENT SINCE HAVING THESE LOANS. THE PAYMENTS NEED TO BE UPDATED TO NEVER LATE, OK, ON-TIME IN THE ENTIRE PAYMENT HISTORY. AGAIN, I WILL START LITIGATION IF THESE DATES ON THESE ACCOUNTS ARE NOT UPDATED TO PAID ON-TIME, NEVER LATE.
Consumer complaint received 2017-08-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (OH)

Every year I contact Navient Rate Reduction Program, I struggle to make the payment and currently my hours have dropped to 8 hours a week. My hours have been sporadic. I went two weeks without any hours. I have taken out cash advances on my XXXX XXXX, XXXX, XXXX XXXX XXXX credit cards in order to make the payments. These are things I 've explained to them, well there are no more cash advances available and I ca n't sign up for the Rate Reduction Program for XXXX 2018. I need a forbearance. Why is n't there an extension for XXXX who 've fallen on tough times, but have been paying for years as part of their rate reduction program? I 've chosen paying this loan over buying food. It 's been tough and mostly because I 'm trying to get a XXXX XXXX in XXXX, I know that a defaulted loan on my credit report would disqualify me from so many careers. It happened the last time when XXXX XXXX reported me late, a company rejected me just based on my credit report after 3 job interviews.
Consumer complaint received 2017-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

When using the bill pay system at CapitalOne bank, the funds for the check are withdrawn before the check has been deposited/cashed by the receiving party. If the receiving party does not receive the payment, the owner of the account is not made aware. The owner of the account has no indication if the funds were actually received. I bank with several other banks, and they all will only withdraw the funds once the check was cleared. I have had to argue twice with the bank that checks were never received in order to receive the funds back into my account. Their official policy is to refund the money after 90 days which I find unacceptable.
Consumer complaint received 2017-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX credit reporting agency deleted XXXX XXXX XXXX and XXXX  account off my report last month after there investigation now on this months report they both have been re-instated this is wrong I contacted legal advice and was told once an account has. Even deleted it can not be reinstated again. Due to this my credit score went eay down again
Consumer complaint received 2024-10-13
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-13
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. (FL)

I never had an transactions with either XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX So, I filed an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer. 2 ) A copy of an identity theft report ( such as an affidavit ). 3 ) The identification of such information by the consumer. 4 ) A statement by the consumer that the information is not related to any transaction of the consumer. The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete the account called XXXXXXXX XXXX XXXX from my credit report immediately. A failure to do so will result in taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX XXXX from my credit report immediately. I have attached a copy of the law that deals with identity theft and the reporting of such information on the person 's credit report. kindly see file attached.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2024-10-13
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)

These addresses are unauthorized and aren't mine please remove these addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

This complaint is regarding Rushmore Loan Management Services, LLC. Rushmore falsely reported my mortgage payment history to the Bankruptcy Court. Rushmore knowingly and falsely reported this information on my mortgage loan to the Bankruptcy trustee on the official Form XXXX which is a final response to cure payment. 

I 'm providing the official XXXX form completed by the Rushmore employee. Please note, I highlighted where they reported I was 3 months in default for post petition payments. As we both know, this is a very serious matter. It is fraud on the court. 

I 'm also providing the copy of payment history. The payments for those dates were n't missed as they are reported on Rushmore 's own payment history records. 

I believe that because there have been so many errors, I am a targeted individual for Rushmore Loan Management Services. I  have called and requested they fix this error but they have not. They knowingly did this. The court closed the case upon the response. I am not paying court fees when this was negligent and intentional on Rushmore 's behalf. 

I want this reported correctly to the Trustee of the Court. I also find that Rushmore assessed with fines that appropriate under the Fair Credit Act.
Regards, XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Account XXXX XXXX XXXX XXXX is reporting inaccurate I am also enclosing a copy of report to support my complaint. ... 

Also according to 15 USC 1681 e ( 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...

It also states in 15 USC 1681i ( 5 ) Procedures in case of Disputed Accuracy- 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 remove item off consumer report... 
I have dispute account several times but ALL 3 bureaus stating false statements saying its not, copy of report is attached to support my statement..
Consumer complaint received 2024-10-13
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. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-10-13
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. (SC)

I AM A VICTIM OF IDENTITY THEFT, THE ACCOUNTS LISTED WERE NOT AUTHORIZED BY MY PERMISSION AND OPEND WITHOUT MY KNOWLEDGE THESE ARE FRAUDULENT ACCOUNTS THAT NEED TO BE REMOVED. THE COMPANIES HAVE NOT PROVIDED ME WITH PROOF OF MY PERMISSION.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. XXXX5 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION (CA)

Helped a friend to purchase a car in 2012. I got financed through Lobel financial. Few months later due to friend being laid off, car was repossessed. Car ended up being sold at an auction, & balance that remained on loan was after them selling car was about {$5400.00}. My wages have been garnished since 2012. Every two weeks. I set up arrangements in 2012. 5 years I have been having $ come out of checks which is about {$3000.00} so far. When I noticed on my credit report that balance keeps going up and reflects no payments ever made, I called XXXX Sheriffs office, ( where Lobel said is responsible for garnishment ) when I called, I was told since my payments are set up as low monthly payments, that all my payments have been going to interest and fees to sheriffs office for their collection fee & my balance has gone up as it reflects no payments. So all these years & {$3000.00} has done nothing to amount owed. This is ridiculous!! & seems very illegal. I was never told their was a sheriff fee or interest on account when setting up monthly payments in 2012. I want amount due to reflect my payments that have been made for last 5 years on my credit report, & it to be reported monthly payments are being made.