davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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: Resurgent Capital Services L.P. (AL)

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; XXXX. Proof that you are licensed to collect in my state ; and XXXX. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Consumer complaint received 2024-09-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint against Experian for verifying a debt that was linked to a fabricated address. The validation process used is not only insufficient but also violates the Fair Credit Reporting Act ( FCRA ) due to the use of incorrect and fraudulent information.

Key Issues : Fabricated Address Used for Verification : Experian verified a debt using an address that does not belong to me, making the entire verification process illegal under 15 U.S.C. 1681s-2 ( a ), which mandates that only accurate and verifiable information can be reported.

Failure to Provide Proper Verification Documentation : I have repeatedly requested the original contracts, including wet signatures and IP address logs that show when and where the contract was signed if done online. Experian has failed to provide any of these essential verification documents. 

Continuous Reporting Despite Disputes : Despite disputing this debt multiple times, Experian continues to report the account as verified without sufficient documentation or proper investigation as required by 15 U.S.C. 1681i.

Legal Violations : 15 U.S.C. 1681s-2 ( a ) : Failure to report accurate information.

15 U.S.C. 1681i : Failure to conduct a reasonable investigation of the dispute.

15 U.S.C. 1681c ( a ) ( 4 ) : Re-aging and continuous reporting of incorrect information.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

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 all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-26
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. (VT)

In accordance with the fair credit reporting act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681b a report containing information solely as to transactions or experiences between the consumer and the person making the report shall be excluded from my credit report. 
Here is a link to the law https : XXXX XXXX XXXX is reporting about my transactions and the law states that those transactions shall be excluded. I want my transactions excluded from my credit report.
Consumer complaint received 2024-09-26
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. (NC)

I am writing to formally dispute the Accounts opened fraudulently and reported fraudulently the accuracy and legality of certain Accounts on my credit report. I am also exercising my right to opt out of your reporting services. The items in question are : Accounts : XXXX. XXXX XXXX  - Date Reported : XX/XX/XXXX XXXX. XXXX XXXX  - Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX - Date Reported : XX/XX/XXXX Inquires : XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX Legal Basis : According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, section 602 ( a ) states : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

As a consumer, I have the right to ensure that my private information is not shared without my consent, which is further supported by 15 U.S.C. 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Furthermore, 15 U.S.C. 1681, section 604 ( a ) ( 2 ) states that consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer. I have not provided my written consent for the furnishing of this information, and any implied or verbal consent is hereby revoked.

Specific Accounts in Dispute : The listed items are being reported without my permission, which is against the law under 15 U.S.C. 1681c ( a ) ( 5 ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Additionally, these accounts are adverse items reported without my consent, violating my rights under the aforementioned statutes.

Conclusion : I am opting out of your reporting services as per 12 CFR 1016.7, which states that a consumer may exercise the right to opt out at any time. I expect their immediate removal and an updated credit report to be sent to me.
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (CA)

I have completed the paperwork and submitted to have my loan forgiven on at least 2 occasions. I XXXX from XXXX the semester before the closure, XX/XX/. Everyone in my class and program ( XXXX XXXX XXXX XXXX ) has had their loans forgiven years ago and I'm still waiting. I have been worrying and struggling with an education that got me nothing but loans I did not need because I was starting over after a divorce and choose to go to school to better myself, which did not happen because of all the lies I was told.
Consumer complaint received 2024-09-26
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. (NY)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (LA)

I applied for CareCredit for dental services. The original approval amount was {$2500.00} which was reported to my credit for 6 months with no late payments at the time my credit score was XXXX. I utilized {$420.00} of the XXXX. In XXXX of 2024, Care Credit reran my credit and decreased my available credit to {$310.00} which caused the card to report to the credit bureau 90 % usage, which is not accurate causing my credit score to drop from XXXX to XXXX. I received a letter from the company advising delinquent accounts and not enough revolving credit were the reasons for the decrease in the approved credit amount, When I spoke with the representative I asked her dod they approved me with he current scores she advised yes, and couldn't explain why the decrease was necessary, This has caused my score to drop without reason and I have not been late on any of my revolving credit. I also inquired about the payments I have made totaling XXXX and the representative couldn't explain where the payments were being they were on the original credit limit of {$2500.00}
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/XXXX at the local branch of a Chase bank i made a deposit for XXXX from XXXX XXXX XXXX with a purchasers receipt tied to the check. This deposit was placed on hold for 10 days based on the information of the receipt. The teller provided a phone number for me to call to release the funds. On XX/XX/XXXX XXXX, I proceeded to call the number the teller provided to the Chase bank hold department and the rep provided me info about how the check was being held cause and i quote " we received information that this bank wouldnt be able to provide the funds ''. The rep was then able to call XXXX XXXX XXXX, verified the check was both a valid check and that the funds were there to be released to chase. The rep informed me of this information, told me to wait about 20 to 30 minutes then the funds would be available. After waiting over 2 hours the funds were still being held and i placed a second call to the hold department. This call was placed at XXXX and this rep informed me that this check was then flagged by the automated system and that it will be on hold and didnt provide me any dates. Despite this check being provided by a FDIC bank, the check was presented still attached with the purchasers receipt and the info from the IRA savings distributions, Chase contacting the issuing bank and verifying that both the funds and the check was valid, that the check was still on hold and they refuse to release the funds, release the check back to me.
Consumer complaint received 2024-09-26
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)

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 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (PA)

I opened a checking account online with M & T Bank on XX/XX/year>. Only two days later, they locked me out of my online account. When I called them, they said I have to go to a branch to resolve this issue. The nearest branch they have is in another city 6 hours drive from my home. This is completely unreasonable. 
I don't understand how they can arbitrarily block access to my account without providing a way to resolve it over the phone. I have verified my identity with their call representative but they still don't do anything about my account over the phone.
Consumer complaint received 2024-09-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (VA)

I advertently discovered the home was going in to foreclosure. This mortgage company did not send me notice and only sent notice to one party of the Estate. The home is going to the auction on XX/XX/year> Monday at XXXX XXXX. 

I have never received any correspondence from Fay Servicing , LLC. I have never received notification the payments were behind. I do not reside in the home ; however, I am a one of two beneficiaries of the Estate.
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. (MI)

XXXX, XXXX, XXXX AND XXXX have all been deleted as proven in the attached documents. Equifax has failed to remove the issue even when provided with the correct documentatio. This is a Violation of 607.Compliance procedures [ 15 U.S.C. 1681el ] B ). The Accuracy of report of my report has been incorrect for 13 months now with a failure to investigate for 13 months straight. These accounts should be erased as they do not belong to me. These accounts have been removed from XXXX when they ran the correct investigation but equifax has failed to do so. Equifax has repeatedly failed to run FCRA INVESTIGATIONS
Consumer complaint received 2024-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

Never received any information from this company. Per the Fair Debt Collection Practices Act, 15 USC Section1692C, requires that you honor my request to remove. Charged off account, therefore I'm no longer liable for payment.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My rights are violated under 15 USC 1681i. XXXX  XXXX XXXX XX/XX/year>, Bank XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>. I need all these Inquires removed from my Transunion credit report.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc. (GA)

This is not a refusal to pay ; however, I would like to advise your collection agency that I am disputing your claim. I have NEVER had an account with XXXX XXXX, and I saw on the XXXX site over XXXX complaints about debt collection scams. Under the FDCPA, I am allowed to request validation from third-party collection agencies. Therefore, I am not asking for verification but rather validation. While validating this debt, you must cease all collection efforts until you can send me sufficient proof, as listed above. If you choose not to send me the evidence requested, you must cease all collection activities and delete any references for this account from my credit report. Please reply with your response via US Mail, and allow me 30 days to review the documents. DO NOT COMMUNICATE BY TEXT MESSAGE OR EMAIL - USPS ONLY!!
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: Experian Information Solutions Inc. (PA)

Subject : Dispute of Inaccurate Account Information XXXX XXXX XXXX This is my third attempt to correct this information, I am writing to formally dispute the inaccuracies regarding my account with XXXX XXXX XXXX ( Account Number : XXXX ). This is my third attempt to have this issue resolved, and the ongoing inaccuracies have caused me significant stress and financial hardship. 

Identified Discrepancies : Inaccurate Charge-Off Reporting : The account reflects a charge-off status as of XX/XX/XXXX while also indicating prior charge-offs leading up to this date. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, all information reported must be accurate. The repeated charge-off status is misleading and does not accurately reflect the current state of the debt. 

Failure to Update Account Status : The account was last updated in XX/XX/XXXX, yet it shows a past-due balance of {$600.00} as of XX/XX/XXXX. Under FCRA ( 15 U.S.C. 1681c ( a ) ), creditors are required to update account statuses accurately. This failure to provide updated information misrepresents my financial obligations. 

Misleading Payment History : The payment history contains numerous charge-off statuses along with gaps indicating no data ( ND ). The Truth in Lending Act ( TILA ) mandates that payment histories must be clear and accurate. This confusing reporting misleads potential creditors and negatively impacts my creditworthiness. 

Duplicative Negative Reporting : The account shows overlapping charge-off and past-due statuses, which violates the FCRAs requirement for fair and non-misleading reporting ( 15 U.S.C. 1681e ). Duplicative reporting of negative information can unfairly harm my credit score and financial reputation.

Excessive Reporting Duration : This account is scheduled to remain on record until XX/XX/XXXX, which is unnecessarily lengthy for a charge-off that is inaccurately reported. Under FCRA ( 15 U.S.C. 1681c ), negative information should only be reported for a limited duration. The continued reporting of this inaccurate information prolongs its negative impact on my credit profile. 

Request for Resolution : Given the inaccuracies and the harm they have caused me, I request the immediate removal of this account from my credit report. If the inaccuracies can not be verified as correct, they must be deleted in accordance with FCRA ( 15 U.S.C. 1681i ( a ) ).
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 u.s.c1681 grain acount # XXXX XXXX XXXX  acount # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX acount # XXXX and XXXX XXXXXXXX XXXX acount # XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX XXXX acount # XXXX XXXX XXXX XXXX  acount # XXXX XXXX XXXX XXXX XXXXccount # XXXX, has violated my federally protected rights. I looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and inaccurate.and according to the fair credit reporting act 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 according to15usc 1681 ( e ) ( b ) and according to15usc 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( a ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a 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 reinvestigation and promptly notify the furnisher of that information has been modified or deleted by the file of the consumer.and according to15usc 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows the information is inaccurate.