davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-30
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. (RI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

On Friday at XXXX XXXX, I called Experian 's customer service to initiate a dispute regarding this bankruptcy. I was informed that Experian had previously conducted an investigation and that the bankruptcy was verified, and would therefore remain on my credit report. However, I never received any formal verification letter, only a verbal notification indicating that the bankruptcy would stay on my report. 

During the call, the representative informed me that she could not record the conversation, although Experian could do so. She also stated that the verification of the bankruptcy was conducted through the court. I immediately explained that I have an official letter from the court ( XXXX XXXX XXXX XXXX  XXXX ) stating that the court does not share information with third parties such as credit agencies. I requested to speak with a supervisor, who initially refused to initiate a new dispute, which I consider to be fraudulent and harmful. 

Eventually, after my insistence, the supervisor did initiate the dispute, although I was not provided with clear details on how the verification process would proceed. 

I believe that Experians actions are fraudulent and damaging, as it has caused significant harm by keeping inaccurate information on my report without proper verification.
Consumer complaint received 2017-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Hello, I am having a lot of issues with Navient which is the company that I have to go through for my student loans. Since XXXX of XXXX I have been trying to fix this problem where they have been making my payments XXXX dollars each month, and I just ca n't pay that. I have been calling multiple times each month to try and get this fixed, but every time they say it will work out, and you have to wait. Well by the time you wait to see if it does work, the payment is close to due, and it never does work so then they keep on making me do a forbearance to then repeat the process to try and " fix '' the problem. But it is getting out of control now and I thought this last time I contacted them it would work but it did n't, the payments are still the same. So now I feel like I am all out of options and just not pay my loans and just deal with the consequences. If they keep screwing me they wo n't get anything and neither of us will win. I have no documents to submit, all my interactions have been over the phone. Please, I could use help dealing with this company. I was young getting into this mess and I still do n't even know much about how this works. Thank you for your time.
Consumer complaint received 2024-09-30
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. (OH)

I received a copy of my credit reports and am writing to dispute the following fraudulents accounts and information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2
Consumer complaint received 2024-09-26
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: TRANSWORLD SYSTEMS INC (TX)

This is to formally advise NCO XXXX that I believe one of your subsidiaries by the name of XXXX XXXX XXXX XXXX has violated my consumer rights in the following ways. Please keep in mind that this is my second notice including my certified letter, and I have had no correspondence back from XXXX. Specifically, they : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation. Not only has XXXX ignored my prior requests for validation of debt, but they also continue to report this debt to the credit bureaus causing damage to my character. The amount that is being reported to the credit bureaus is not the same balance that I have with the original creditor. XXXX was notified of this via certified mail and in a complaint submitted to the CFPB. Despite multiple disputes, this company continue to report false information on my credit report, violating its obligations. Additionally, the company lacks permissible purpose under the FCRA ( 15 U.S. Code 1681b ) to furnish information
Consumer complaint received 2024-09-26
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: Sezzle Inc. (NV)

Sezzle says I owe an alleged debt of {$110.00}. 

Sezzle will not accept payment from me directly. They refer me to XXXX XXXX, their debt collector. 

XXXX XXXX  will also not accept payment from me. 

This leaves me with no option to settle the alleged debt.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KY)

XXXX XXXX XXXX is reporting inaccurate data to my credit file, the debt had reached the statue of limitations that a collector can report a debt of 7years, this debt also did not ever belong to me and is listed as a JOINT which I never was apart of. Please follow the laws and removed this inaccurate reporting of 7 years.
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NY)

I have a Real Estate Agent working a short sale for me and my husband. We have a foreclosure hearing date XX/XX/XXXX. The servicer is PNC and the investor is XXXX Bank. PNC acknowledged on XX/XX/XXXX that they had received a complete short sale package. On XX/XX/XXXX PNC told us due to government guidelines PNC only has 30 days to respond to a request for a short sale and since the investor ( XX/XX/XXXX Bank ) has not responded PNC had to close the file. I was told that once XXXX Bank responds they will reopen the file. My realtor has called PNC weekly and there is still no response from XX/XX/XXXX Bank and now we are headed to foreclosure. We would like help completing a short sale.
Consumer complaint received 2024-09-26
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: CLGF Holdco 1, LLC (TX)

Received an email saying I applied and was denied for an Indigo Mastercard Account issued by XXXXXXXX XXXX. I never applied for this. My credit score dropped because of it. 

At the bottom of the email, it says, " This email is from Concora Credit Inc. '' I have never heard of any of these companies or banks. 

The email was received at XXXXXXXX XXXX on XXXX. It is from XXXX.
Consumer complaint received 2024-09-30
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. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (SC)

Recently Aargon placed a collection account on my credit reports that I 'm not responsible for due t the fact that I was a victim of identity theft. I have filed a police report and disputed the account with the credit bureaus but Aargon verified it to the bureaus as mine. I am reporting this complaint because I 'm suffering damages because of this unfortunate incident. I feel as if Aargon refuses to reason with me to have this account removed from my credit reports with my statement and official police report.
Consumer complaint received 2024-09-30
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. (TX)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-18
Product: Credit reporting 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 ORIGINAL CREDITOR : XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

This is regarding my Chase Sapphire Reserve account. I prepaid for a rental car ( minivan ) from XXXX in XXXXXXXX XXXX  through Chase travel portal in XX/XX/XXXX for 11 days between XX/XX/XXXX to XXXX. The prepaid total was {$1800.00}. Upon picking up the car on XX/XX/XXXXXXXX XXXX did not have a minivan available, so I agreed to try the SUV they have ( XXXX XXXX ). I returned this car on the next day because it does not meet our trip 's needs. This was also the day I initiated my request for a refund via phone with Chase, since the car I paid for was never reserved. The XXXX agent assured me that I will be refunded for whatever amount I didn't use, which should be {$1800.00} minus one day of use of a smaller, lower rate car. On my initial call with Chase, they insisted that they can not guarantee the refund even though I didn't get the service I prepaid for, and they can not offer a timeline for refund if granted. It has been almost a month since my initial refund request, and I have called Chase more than a handful of times. They continue to delay the refund, put me on hold for almost an hour each time, without resolution to the issue. They repeatedly told me they will phone me back with updates but did not, and told me the money will be refunded in 1-2 billing cycles repeatedly when I call back couple weeks in between. Agents offer conflicting information between phone calls regarding the refund process ( some said I have to authorize the refund after hearing from XXXX accounting, some said there is nothing further for me to day but wait. ) Today, I was told by the manager at XXXX XXXXXXXX XXXX that my reservation was only reflected to be for 4 days and the total was around {$1100.00}. I was in disbelief and concerned that I will never get this money back. I believe Chase is dishonest and not handling my concern and my money in good faith.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I have addresses on my personal info that needs to be removed the only address that should be there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other address need to be removed I have a document ( mail ) that supports my current address
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loans, credit cards, and any other accounts from XXXX XXXXXXXX with a balance of {$1300.00}, XXXX XXXXXXXX with a balance of {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX with a balance of {$200.00}, XXXXXXXX XXXX XXXX XXXX with a balance of {$860.00}, XXXX XXXX XXXX with a balance of {$9500.00}, XXXX XXXX XXXX XXXX with a balance of {$900.00}, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX [ Enter Complaint XXXX  from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX. 
XX/XX/year>. 

Innovis XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

PRIVATE AND CONFIDENTIAL Subject : Second Request for Immediate Removal of Incorrect Delinquent Child Support from Credit Report. 

Dear Sir/Madam, I am writing to follow up on my previous request dated XX/XX/XXXX, XXXX, regarding the removal of the delinquent child support account ( OFFICE OF THE ATTY XXXX XXXX # XXXX ) from my credit report. I am pleased to inform you that both XXXX and XXXX have already complied and removed this account from their records. However, I have not yet received confirmation of the same action from your agency. 
As stated in my prior communications, recent federal court rulings have confirmed that delinquent child support obligations do not qualify as a " credit transaction '' under the Fair Credit Reporting Act ( FCRA ) amendments ( FACT Act ). Therefore, the reporting of this account violates the permissible purpose standards under the FCRA. 
Moreover, this is not a credit account, and the XXXX of the Attorney General is not mandated to report or update this account with credit bureaus monthly, as is required for traditional credit accounts. This further underscores why this account should not be included in my credit report. 
In addition to these points, the information being reported is completely inaccurate. This account has never had a late payment, and I have attached my payment record as evidence. The delinquency being reported is false, and this violation of the FCRA must be corrected immediately. 
Given that both XXXX and XXXX have already removed this account, I insist that you take similar action and promptly remove OFFICE OF THE ATTY XXXX XXXX # XXXX from my credit file. Please provide written confirmation of the removal. 
Should this matter not be resolved in a timely manner, I will be forced to consider legal or regulatory action. I trust you will handle this issue with the urgency and attention it deserves to ensure compliance with federal law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX