davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, 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. (TX)

Below are the inquiries which I do not recognize and most certainly did not authorize by these creditors. No new accounts ever resulted from the inquiries. I am a past victim of identity theft many years ago. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Date of birth is : XX/XX/XXXX Name : XXXX XXXX XXXX Last Four of SSN : XXXX Credit Monitoring Member ID : XXXX These inquiries are causing me to be denied credit for no other reason than excessive inquiries, which drastically affect my FICO score and affect the rates I pay on personal and business credit. 

Please have these inquiries immediately removed from my credit file. Thank you in advance for your understanding and consideration. 



These inquiries are causing me to be denied credit for no other reason than excessive inquiries, which drastically affect my FICO score and affect the rates I pay on personal and business credit. 

Please have these inquiries immediately removed from my credit file. Thank you in advance for your understanding and consideration.
Consumer complaint received 2023-08-09
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: Exeter Finance, LLC. (IL)

Im accordance with the fair credit reporting act these accounts have violated my rights under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 604 A section 2 a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open consumer credit plan as a late payment for any purpose
Consumer complaint received 2023-06-27
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-27
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. (GA)

I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some items. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please delete all inaccurate items that are not verified as I did not establish any of these items with my person or gave any permission for anyone to represent me to access my file.
Consumer complaint received 2023-08-09
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (DE)

In XX/XX/2016, I was moving into a new home and starting a new job. I called fedloanservicing extremely concerned that my credit would be effected as I 'd believed I had n't made a payment on time. The employee on the phone told me not to worry and specifically positioned to me that not only was I on time, but that I could actually make my single monthly payment every three months without them being considered delinquent or negatively impacting my credit score. As I was taking on some new expenses during this transitional period and based on this new information that the employee gave me - I decided there and then on the phone that I would start make my monthly payment every three months. I wanted reassurance and a guarantee from her that this would not effect my credit at all and she told me so long as I was n't outside of three months I would be fine and that even then, it would be considered a single late payment. 
I felt so relieved ... little did I know was that nearly none of what she told me was true. Fast forward to today and I see that my good credit of around XXXX was utterly decapitated and is now under XXXX. I received no attempt at communication or warning that my account was delinquent nor in danger of having my credit damaged. 5 years of consistently on time payments and even additional payments from tax returns to help further chip away at my debt and my trust in one their employees ruins everything I 've worked for. I called fedloanservicing immediately upon finding out they 'd reported me for a whopping 10 late payments and explained my situation. This time the employee on the phone could have cared less about my situation and explained there was nothing they could do to fix my credit score. When I asked to speak to a manager they said there would n't be anything they could do either ... I XXXX fedloanservicing afterwards and saw nothing but the absolute worst professional reviews for them pop up on the first page of results. 
Do n't trust anything their employees tell you! Make your payments on time and do not stray from original payment plan you set up - if you can avoid fedloanservicing, do so as if they have the plague!
Consumer complaint received 2023-08-09
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: DISCOVER BANK (NY)

I believe I am a victim of identity theft XXXX XXXX, DISCOVER CARD, XXXX AND XXXX have all violated U.S.C. Title 18 1001, 2071, 2073 ( falsifying records ) 15 U.S.C. 51692 ( e ) " false, deceptive, an misleading representation, in connection with the collection of any debt '' such as the false representation of the character or legal status... 
They're purporting a debt under false pretenses
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (WA)

I am on ssXXXX ssXXXX and i use chase as my deposit account. i live in XXXX wa a very small town with only XXXX chase atm and its only available during the hours XXXX XXXX XXXX XXXX and located in the center of town. to use that atm its free but any other i get charged the fee of that atm plus chase charges a non chase atm on top of that. i should not be charged to access my funds ( gov funds ) and when i am they should credit me for it each month. chase has not been doing that, i have been a member of chase for 3 years and they have only refunded one fee of {$3.00} in that time for non chase fees. i requested a refund and have been repeatedly denied. 
also i cant use mobile banking because my phone number was exposed to a scammer and i got a scam text. i did not fall for it and knew it was a scam right away. i notified chase about this and they disabled my mobile banking and wont let me update to my new phone number without a phone call. i dont have TTY device and they refused to let me update this without a phone call I AM XXXX  and they have it noted and refuse to accommodate so i can use mobile banking while my old disconnected number is on file and cant be updated leaving my account at risk. 
they have refused me assistance in this matter repeatedly and have done nothing but request a phone call knowing i am XXXX 
they are in violation of ada and taking my fees and not returning like they should is stealing my government money!
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (PR)

On XX/XX/2023 requested LexisNexis to freeze my account and they refuse to process my request due to lack of identity documents. Copy of my passport, bank statement were submitted. My driver license is not current, However, proof my address were submitted as well..I believe that I submtted the necessary ducumentation. They also stated that were not legible.
Consumer complaint received 2023-06-27
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. (NV)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Burke Moore Law Group, LLP (GA)

Complaint Against XXXX XXXX XXXX XXXX for Violation of Fair Debt Collection Practices Act ( FDCPA ) I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ) during their debt collection activities. On XX/XX/2023, I received a letter from XXXX XXXX XXXX XXXX, and I believe they failed to provide me with a dispute address or option, thereby infringing on my rights as a consumer. 

Details of the Complaint : - Collection Agency Name : XXXX XXXX XXXX XXXX ; Firm Contact # XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA, XXXX. On letter, collector is seeking to Collect a lump-sum amount {$2200.00} out of alleged balance of {$3200.00} electronically to XXXX XXXX XXXX 
XXXX : The letter was dated XX/XX/2023 - XXXX  : The letter sent by XXXX XXXX XXXX XXXX XXXX not include any information regarding a dispute address or the option to challenge the validity of the debt, which is a clear violation of the FDCPA. 
- Request : I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX to ensure their compliance with the FDCPA. Additionally, I urge the collection agency to rectify their actions promptly and provide the necessary dispute address, as required by law. 

I am deeply concerned about the collection agency 's failure to provide me with essential dispute information, denying me the opportunity to verify the debt 's validity. This conduct is in direct violation of the FDCPA, which is designed to protect consumers like myself from unfair and deceptive debt collection practices. 

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and look forward to a thorough investigation and resolution. If any additional information is required from my end to assist in the investigation, please do not hesitate to contact me. 

Thank you for your prompt attention to this complaint.
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company (CA)

I am past due 2 months on my mortgage due to no employment. I will be 3 months past due in XX/XX/XXXX. As I spoke to my mortgage company earlier in XX/XX/XXXX they stated that I needed to come up with {$4000.00} to stop any foreclosure process- I explained my situation and advised I can pay XXXX payment now- THey refused my payment and stated that even if I send it in they will not post it and they will send the check back- I sent a payment of {$950.00} on XX/XX/2017 and as of today XX/XX/2017 nothing has posted as I check the website daily.
Consumer complaint received 2023-06-27
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. (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. 

Account name XXXX 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 2023-06-27
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. (MS)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$830.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$330.00}, XXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2017-04-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview Loan Servicing refuses to send me monthly statements despite a Federal Bankruptcy Court order to do so. 
They are also withholding applying my payment to my account in a timely manner, essentially increasing the interest they earn. For example, I send them my check on the XXXX of every month but they do no apply the amount paid to my loan until two weeks later.
Consumer complaint received 2015-05-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RJM ACQUISITION LLC (MO)

I owed XXXX XXXX XXXX for a checking acct. RJM acquisitions XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX ; XXXX purchase the debt and offered a reduced payback. I have been paying them for over 2 years and have a current settlement balance of {$340.00}. Recently another Debt collection Agency reported to my credit report that I owed them {$700.00} for XXXX XXXX XXXX with no acct # attached. When I tried to make my current payment as usually to RJM the website is no longer accessible. XXXX XXXX is the collection that attached a claim to my credit but In have n't received any info from them and they reported I made a payment to them in XX/XX/XXXX for the same I paid to RJM in XX/XX/XXXX. I have paid 1/2 my debt settlement to RJM. I disputed the complaint with XXXX and only received a response that they updated my account but when I reviewed XXXX XXXX was still there. I do n't have a problem paying the debt but I do n't think another debt collector should be trying to collect on a debt I 'm already paying with no contact and the amount they are charging is double of the balance left owed to RJM because I have been making the payments.
Consumer complaint received 2023-08-09
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. (FL)

I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
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. (TX)

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Delete this account.