davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
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. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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 reinvestigation ; 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 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian has a continuing investigation regarding my XXXX XXXX account, over which I have complained about previously. It continues to be reported inaccurately, although I have provided Experian documentation that includes the most recent statement and a recent letter from the furnisher confirming that there is no balance owed ( there is currently a credit balance owed back to me ). Separately, the furnisher represented to me that XXXX addressed the dispute request from [ me ] and from a consumer reporting agency on [ my ] behalf on XX/XX/XXXX. At that time, [ XXXX ] investigated [ my ] dispute and mailed [ me ] the enclosed letter dated XX/XX/XXXX and provided a response to the consumer reporting agency. '' As I understand the furnisher 's policies, they normally update reporting once each month. A review of my credit report history with Experian confirms this representation and I have since been patiently waiting for it to update. The reporting history indicates that this updating has taken place on or about the last day or first day of every month since I opened the account. Notwithstanding the aforementioned, my Experian report has remained without update since XX/XX/2023 ( see attached entries ). This is not only despite that both XXXX and XXXX have been updated, but that the absence of an update for XXXX is inconsistent with the furnisher 's explained policy as verified by the history of reporting on the account. Today is XX/XX/2023, and the account is not reported for XX/XX/2023. The inaccurate reporting is negatively impacting my credit scoring and I am unable to move forward with my mortgage application until it updates. I simply do not understand why this is happening.
Consumer complaint received 2024-10-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

Navient failed to provide me with School Misconduct Discharge Application after my school XXXX XXXX XXXX XXXX XXXX XXXX  was found guilty of defrauding students through XXXX XXXX XXXXXXXX and after my Borrower 's Defense Application was accepted. 

I asked for the forms several times over the years and found out through XXXX that a " secret form '' exists. Then they gave it to me after years of paying for the loans.
Consumer complaint received 2024-07-26
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. (TX)

I submitted a letter to dispute some accounts that are having an adverse effect on my credit. I was informed that my dispute request via mail was disregarded due to suspected unauthorized activity. I submitted these letters with the most up-to-date utility bill along with a copy of my license. My dispute has been mishandled without a proper investigation into the issue and it is prolonging the damage on my credit report. I have the return receipts as well as I had sent them via certified mail. It is apparent that the investigations were not conducted due to unreasonable suspicion despite the documentation that I had provided. I will include the letters I sent along with the signed receipts.
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CA)

There were several accounts opened in my name including a PayPal credit card account a pay overtime account. I did not open any of these accounts. Living in our home. Under a false name. This person was opening up an accounts using the accounts until he couldn't pay for the accounts. we had no idea. He used my fathers identity as well. It is from my understanding he had fake bank accounts as well. I do not have a PayPal account or any PayPal accounts. One account ending in XXXX has a balance over {$2000.00} Another PayPal account has a balance over {$4000.00}. Please close all accounts. This person also opened a XXXX  account with my name on it. I was able to contact XXXX and get access to the account.
Consumer complaint received 2024-07-27
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)

Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt.

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request.

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records.

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution.

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ON MY REPORT IT SHOWS XXXX XXXX ANDXX/XX/XXXX/XX/XX/XXXXAND XX/XX/2017 AS LATE PAYMENTS THATS ABSURD FIX THIS ISSUE RIGHT XXXX NOW... I HAD A MEDICAL EMERGENCY OF WHICH I CALLED AND EXPLAINED THAT I HAD BEEN THE VICTIM OF A XXXX CRIME THAT PUT ME IN A MEDICAL HARDSHIP IN HOSPITAL ETC AND REP TOLD ME SHE WOULD FREEZE MY PAYMENTS TO GIVE ME TIME TO HEAL NAD GO BACK TO WORK ETC. AND IN ADDITION I DIDNT EVEN MISS ANY PAYMENTS BECAUSE I WAS ABLE TO SEND SOMENE TO POST OFFICE FROM HOSPITAL AND MAILED THE MONEY ... AND MY PAYMENTS WERE IN FACT MAILED NOT PAID VIA ELECTRONICALLY BECAUSE I DID THEEM THRU XXXX AT MY BANK. THESE SHOULD NOT SHOW LATE IT WAS ONTIME AND NEEDS TO BE FIXED ASAP MY CREDIT IS EXTREMELY IMPORTANT TO ME AND I WORK HARD TO ENSURE THAT MY INFO IS CORRECT AND ONTIME ALL THE TIME. PLEASE REMOVE THESE NEGATIVES AS I AM DILIGIENTLY INVOLVED WIHT MY CREDIT THIS IS ERROR ON YOUR PART AND NOT MINE AND IS RUINNING MY GOALS. MY PAYMENTS HAVE NEVER BEEN LATE AND THIS NEEDS CORRECTED NOW
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, XXXX XXXX  are reporting misleading information on my credit report that should've been removed last year. These XXXX late payments are well over 2+ years old and it's significantly impacting my credit report. My credit worthiness has taken a big dip because of XXXX XXXX  reporting late payments that shouldn't be reporting on my credit report.
Consumer complaint received 2024-07-26
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2024-07-26
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. (MS)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NJ)

I received a call from National Recovery multiple times. I spoke with them. They stated that I owed this dept and how would I like to pay for it. I responded by saying what debt are you talking about? I'm not familiar with this. A rep from National Recovery said that their customer came to them in hopes of them recovering this debt from me. I said I didn't have a problem paying for it if it's me that actually owes it to them. I then said provide me the original documentation with my signature. The rep said if I send you the documentation showing I owed this debt will I pay for it? I said sure. The documentation they sent me did not prove I owed this debt. I have enclosed a copy of the documents sent to me. They have failed to provide the proper documentation. I would like to have this removed from my credit report due to failing to provide proper signed and date of documentation proving this debt is mine according to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-10-13
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Credit Corporation (WA)

I have no idea what this debt is for and was never notified that I owed it. I only found out about it recently when I checked my credit score and saw that it had decreased significantly. XXXX states that I owe $ XXXX to " Merchants Credit Association ''. I have never heard of them or any debt I supposedly owe to them. I have never been contacted.
Consumer complaint received 2024-10-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I was a XXXX customer since XXXX so after years had passed I was given XXXX year contracts and new phones XXXX of charge as long as I agreed to a XXXX year term. In XXXX of XXXX it's been a while. So XXXX  made the same deal with me for a XXXX year deal with the upgrade and XXXX phone to all my lines and we agreed to the same terms. As the month progressed my bill was showing the charges to all phones and for months they put me on hold from my bill representatives from the retention department. After months of back and forth they closed my account disconnected my services and sent me returns packages for all the phones I sent every phone back from XXXX and called them not to put the account on my credit report or I would complain to the Federal trade commission and they didn't for years and when XXXX I made a report to the FTCnow another creditor Jefferson Capitol Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. We have been impacted severely these past few years in XXXX my wife suffered a XXXX XXXXXXXX XXXX, then XXXX and the loss of my father and now it has become very hard for us to sustain a XXXX XXXX that can help us thru all these hardships my credit has suffered a great deal with this new account Jefferson Capitol Systems has put on an i am requesting you contact them to have it removed as an unfair practice and as a great burden for me and my family please feel free to contact me XXXX XXXX XXXX thank you
Consumer complaint received 2024-07-26
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. (TX)

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XXXX XXXX XXXX  XX/XX/XXXX, I was speaking with a bank teller about a Debit Card I received on XX/XX/XXXX. A rude bank employee that I was abused by for being a XXXX XXXX Veteran with a service connected XXXX named XXXX refused to help because I brought up how unacceptable his staff 's demeaning words about people standing in line was during previous visit weeks ago in XX/XX/XXXX. I needed more help than the teller last time & this time as well. XXXX refused to help & called me a child during the earlier visit. I stopped in today & XXXX again decided to berate me in public stating he filed an incident report that he claims is internal only ( but damages my character & ability to receive non retaliatory, regulatory compliant service ), refused to allow me to deposit an insurance check, refused to allow me to cash an insurance check, and claimed I " stormed off '' despite his repeated angry mannerisms stating this branch would not help me & that I would be refused service. I stated he must be pretty powerful to overstep this many regulations. I asked for him to put his statement in writing before I left. He refused that as well, but continued trying tonintimidate me. He gave me the name of his supervisor, XXXX XXXX, as the contact, but not the supervisor 's contact information. I will follow up on the prior regulatory complaint draft, submit today 's regulatory complaint, and submit the prior regulatory comlaint ... to obtain a working debit card. Worst branch in all of Bank of America since they also fumbled a life insurance check back in XXXX. The branch is below XXXX stars for many reasons. Please let me know why I am being mistreated and what will remedy XXXX 's abusive misconduct. Thanks, XXXX XXXX
Consumer complaint received 2023-06-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Back when homes were underwater during the real estate bubble time around 2005 I purchased my home, a couple years later I fell into foreclosure due to marital seperation and was struggling to make ends meet with a young child. What helped me was a hamp program I entered into I believe but am not sure was called the principal reduction act. 

With this program after 5 consecutive years of compliance with the program the 50k loan was forgiveable. My loan was transferred from XXXX XXXX aka XXXX to Rushmore Mortgage. For years all I have done is work and work. I thought I would now be able to request a Heloc loan or refinance to be able to get a small portion of the homes equity and open a XXXX XXXX XXXX XXXX  and when I tried to do so was denied by several lenders for having a second principal which was to my surprise I thought it was satisifed. ( See Satisfaction of Mortgage ). When I tried contacting Rushmore about it and provided supported documentation they told me they would be researching, then today I was told to resolve it with XXXX. Quite frankly I am exhausted of trying to put the effort to get someone to resolve this and really need some help with authority in making these folks correct there wording in a payoff and correct balances, and stop jeopardizing my future. I am sure I can not be the only one this has happened to. Attached is the XXXX evidence when it was paid on XXXX, Satisfaction of Mortgage, and also how it is currently reflected as a 2nd principal balance on a current payoff.
Consumer complaint received 2024-07-27
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. (NY)

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Accounts : - DPT ED/XXXX  : # XXXX - DPT ED/XXXX : # XXXX - DPT ED/XXXX  : # XXXX - DPT EDXXXX : # XXXX - DPT EDXXXX : # XXXX - DPT EDXXXX : # XXXX - DPT EDXXXX : # XXXX - DPT EDXXXX : # XXXX 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

These accounts range from 13 to 15 years old ( XXXX ), constituting a significant violation of my consumer rights. 

I request the immediate deletion of these accounts. XXXX has already deleted these accounts in recognition of this violation. Experian and XXXX must now take immediate action to rectify this violation.
Consumer complaint received 2023-06-15
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. (TX)

I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-06-15
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: Self Financial Inc. (PA)

this account ( # XXXX ) was opened XX/XX/XXXX and closed XX/XX/XXXX. i received a notice of late payment XX/XX/XXXX XXXX, while disputing another account with SELF LENDER. I have no idea why or how this happens. i was not given no notice of any kind about this account being behind back in XXXX i disputed this but for some reason it was found verified. how can a company just do that to your account. now my credit is down and i have a late payment on my credit report from a company that was suppose to help my credit.