davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
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. (LA)

am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX the account number XXXX an auto loan account opened at XXXX XXXX  on XX/XX/XXXX, XXXX the account number XXXX, and a personal loan account opened at XXXX XXXX XXXX on XXXX, XXXX  under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Experian Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Date of Birth : XXXX .This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) 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. 
What would be a fair resolution to this issue? : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX2024 LVNV Funding LLC XXXX XXXX XXXX  XXXX, SC XXXX Re : XXXX  XXXX XXXX  Account # : XXXX Dear LVNV Funding LLC, I acknowledge receipt of your response to my debt verification request dated XX/XX/XXXX2024. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt XXXX validation response, which must now include : The name and mailing address of the debt collector ; The name of the creditor to whom the debt is owed ; The account number ( if any ) associated with the debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided. 
Your response dated XX/XX/XXXX2024 did not include any of the aforementioned details. 
In accordance with the FDCPA, please provide the following : 1.The name and address of the original and current creditor. 
2.Verification of the debt amount you are attempting to collect. 
3.Documentation of any assignment from the original creditor, including my name and the original account number. 
4.All relevant information on the securitization of the debt and proof of its reassignment to LVNV FUNDING Federal law, specifically XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount. 
Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report. 
I appreciate your prompt cooperation in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-20
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)

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.

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 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

Please see attached letter - the most imperative help you could give us is to get all the phone records for the last 5 years. This is the most clear way to show all of the legwork we have done and all the events that have transpired
Consumer complaint received 2024-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TN)

I started working as a XXXX XXXX XXXX in XX/XX/XXXX. After paying my student loans for about XXXX years, I applied for forgiveness. To be eligible, you must make XXXX payments. So, in XXXX of XXXX, my loans were forgiven. Here 's the thing, I never missed a payment from XX/XX/XXXX until XX/XX/XXXX ( I consolidated & switched my loans from XXXX to XXXX XXXX in XX/XX/XXXX ). I was told that I qualified for a COVID repayment ( I paid my loans throughout the pandemic ) & a refund for overpayment of about XXXX years. Before I switched from XXXX to XXXX, I asked XXXX to send me a copy of my entire payment history ( XXXX ). When I contacted XXXX about being reimbursed, a representative and manager told me that because my account no longer exists, there is nothing that can be done. I explained I had the statement sent from their company, but it didn't matter. I also tried contacting MOHELA. Their office said that because I never made payments to them, there was nothing that could be done. I am so confused. XXXX XXXX/MOHELA bought my loan and was responsible for a sending me a refund for overpayment. I know a few people who have received refunds from the Education Department. I overpaid and I don't know what to do to solve this problem. I'm not sure who is responsible for the refund, MOHELA ( they were my current lender ) or XXXX ( I made all payments to them ).
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (CA)

I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them.
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CLGF Holdco 1, LLC (PA)

On XX/XX/year>, XX/XX/year> called the company to received validation of debt in the form of a copy of a signed contract and copy of payment statements and was told they couldnt give me info i needed to call the lawyer firm they hired i then called law firm n requested info n was presented with hostility from the lady i spoke too.
Consumer complaint received 2024-09-18
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. (TX)

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX, XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these late payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Consumer complaint received 2024-09-16
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

At Bank of America address XXXX XXXX XXXX in XXXX XXXX on the date of Friday XX/XX/XXXX between the hours of XXXX and XXXX A Bank of America employee named XXXX fraudulently and prejudicely destroyed a bank of America check issued to me from my employer due to the color of my skin. I handed the teller ( XXXX ) a check and asked if she could cash it and she said yes but I would be charged a flat fee. After I handed her my ID and check through the window she said she needed a moment to verify my check and left the counter. When she came back to the counter my check had a VOID stamp on it and she told me she couldn't cash my check. She then handed me my ID and my Defaced check and told me to cash my check that she Defaced somewhere else. Then I asked her is It because I'm XXXX and she nodded her head as if saying yes. I then asked her why she Defaced my check and she shrugged her shoulders.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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.
Consumer complaint received 2024-09-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (AZ)

I had FFEL loans at Navient that I made about $ XXXX in payments towards. I was approved for BDTR under SVC. I did not qualify for a refund of those payments because they were FFEL " commercial '' loans.

I was never warned that I would lose all rights to a refund in any circumstance, including BDTR. Lenders lobbied to make all of the same terms and conditions as Federal loans so that the government could not offer better rates and take profit away from them. 

No borrower received any better rate or service by staying with Navient, the interest rates are the same. There was no benefit for borrowers, in fact many of the benefits that Federal loans have, were taken away. And Navient has a long history of manipulating and neglecting borrowers.

With those things in mind, why are they still getting away with no refunds? 
They are Federally insured and backed, would they not get paid back anyway? 
Why were nearly all of the benefits of federal loans taken away, while offering nothing in return to compensate, like better rates etc.? 
Why would the Holder 's rule not apply here? 
XXXX XXXX and Navient never explained that a commecial FFELP was actually the worst option for borrowers. In fact I was given little information at all about it. 

It is beyond criminal that Navient has been getting away with so much for so long and profiting from it. Why does the DOE and CFPB not do anything about it? 

Navient needs to honor all approved Borrowers Defense approved loans by discharging AND REFUNDING all payments to everyone that has been duped and manipulated into these financially crushing loans.
Consumer complaint received 2024-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For the past 2 months I've not been able to view report when logged in and/or place security freeze on my account. I have called several times but never got it resolved.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (CA)

Reporting inaccurate late payments. 

( a ) Time to make payments A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NV)

Navient is my student loan lender and I keep going back and forth trying to apply for income driven repayment plan. I received the application back in XX/XX/year> I filled out and sent copies of my paystubs. 3 months went by and the whole time they had my account on forbearance accumulating interest while waiting on them. I finally call them back after my forbearance expired and asked what was going on and they said they never received proof of income. Funny because i screen shot the verification when I uploaded my paystubs saying it was successfully uploaded. I again submitted copies of paystubs XX/XX/XXXX and called them on XX/XX/XXXX to verify they revived them and i was told they only received one not 2 when I again screen shot they had successfully uploaded both of my paystubs. Once again they put me on forbearance for another 3 months to bring my account back in good standing so I agreed to it to give them time to process my application. I am tired of them misleading consumers and not having good explanations when we ask questions. I need answers and at this point I dont know what to do.
Consumer complaint received 2024-09-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NY)

I had XXXX XXXX as my internet provider upon which I was enrolled in auto payment. I didnt needed their service anymore so I cancelled the service. I was instructed to return their equipments and I did as I was told. Before I know it there was a debt collection on XX/XX/year> by eastern collection system for {$110.00}. Im trying to get a house and this debt that I dont owe is affecting me gravely. I tried disputing it through the XXXX XXXX XXXX  but no one got back to me.
Consumer complaint received 2024-09-18
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. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was called from XXXX XXXX XXXX XXXX ( which is the number on the back of Bank of America Debit Cards ) on XX/XX/year> at XXXX. The caller claimed to be Bank of America Fraud Dept with some unusual activity on my account. He read off some purchases from a different state that I hadn't made. 
The caller kept me on the line for a bit while he " did some work on his end '' and " was going to send the claim to his supervisors ''. He sent a few numerical codes that were identical and in the same text chain that I have gotten from Bank of America in the past. I asked him to tell me how much money I had in my account ( as I assumed Bank of America would have my account pulled up ) to prove that they were in my account but he avoided that question. He also asked for my Social Security Number, which I gave him, because actual BANK OF AMERICA has asked for that to verify my identity before. While I was on the phone with him for probably 5 minutes the call dropped. I immediately called Bank of America back and that's when I was told it was a Fraud call. When I checked my bank account again {$2700.00} was XXXX transferred to an unknown person, XXXX XXXX. The Bank of America Fraud Claim department was closed by the time I was able to start my claim so I had to wait until next morning. A claim was filed with Bank of America. They have since sent me a letter saying the fraud claim is denied and they consider the matter closed.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized account/s and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
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: EQUIFAX, INC. (NJ)

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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.