davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MI)

I moved my services from one house to another with XXXX after we relocated to our new house as of XX/XX/XXXX. XXXX never cancelled my old account, and ended up trying to claim debts owed to an account that should have been closed and transferred in the terms of {$530.00}, including a {$200.00} " early termination fee '' ; which is interesting, considering that I was ( am ) still a XXXX customer, albeit with a new address and account number provided to me when I " transferred '' my service. I had conversations with XXXX on Friday, XX/XX/XXXX to reassert that the account should have been closed, and the account should not be in arrears. This was confirmed to me on XX/XX/XXXX. I was then contacted again by XXXX on Monday, XX/XX/XXXX, and again reasserted the fact that there was no debt owed on the account. This was confirmed by both XXXX ( Rep # XXXX ) and XXXX ( Rep # XXXX ) in the XXXX Billing department on XX/XX/XXXX. I then received a collections notice from Diversified Consultants , Inc. on XX/XX/XXXX saying that XXXX had referred me to collections for the " debt '' they said I owed on the account that should have been closed and verified no debt owed. I then disputed this collections claim with Diversified Consultants, Inc. with all of the above mentioned information. Diversified Consultants, Inc. then replied back to my dispute saying that they had " investigated and verified that the account information ... is accurate including the name listed on the account as well as the amount owed ''. I find this to be impossible, as I have multiple conversations confirming no debt owed on this account. And if it is possible, I still have no record of this debt myself, and no understanding of how Diversified Consultants verified this debt. I want copies of all information and documents used to " verify '' this debt. 
I'm now stuck dealing with a collections agent uninterested in rectifying my original collections claim, and a XXXX XXXX that has sold my " debt '' to Diversified Consultants, Inc. and has no record of my original disputes.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX  Experian XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you remove itens immediate take off the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed from my credit file.

This not a regular dispute I have filed a complaint with federal trade commission to document being a victim of identity theft.

Please remove this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the fair credit reporting act. I am requesting that the following fraudulent accounts be deleted from my credit file : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Injuries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-20
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)

Upon reviewing my credit report, I identified several inaccuracies related to my XXXX XXXX account ( Account Number : XXXX ), including errors in the reported credit limit, last payment date, term length, late payment activity, and date of the last report. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are legally obligated to maintain accurate and complete information. These errors are in violation of this obligation, and they have the potential to misrepresent my financial standing.

Under the authority of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must ensure the maximum possible accuracy of reported information, I am writing to formally dispute the inaccuracies related to my XXXX XXXX account ( Account Number : XXXX ). The errors include incorrect reporting of the credit limit, last payment date, term length, late payment activity, and date reported.

As required by law, I am requesting that these inaccuracies be thoroughly investigated and corrected. Due to the nature of these violations, I am requesting that this account be completely removed from my credit reports across all three major bureaus within 15 days. Failure to rectify this promptly may result in further legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ).

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-10-20
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. (ID)

Three Fraudulent Loan have been opened by a thief who stole my information. The first loan was opened in XXXXXXXX XXXX XXXX the second in XXXXXXXX XXXX XXXX and the third loan for {$1700.00}. After the first loan I had already send them an Identity Theft application with all the information they needed. But they still approved two more loans after during theyre investigation into the first loan.
Consumer complaint received 2019-04-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Hello, I just received a phone call on XX/XX/2019 around XXXX from Portfolio Recovery ( XXXX ) keeps calling my work ( XXXX or XXXX ), they keep calling me and pressuring me for private information
Consumer complaint received 2019-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (FL)

I checked my XXXX  credit report and noticed my score significantly low. I checked the collections and noticed an account from XXXX and XXXX, a company I have never heard of. They are reporting a debt from XXXX, but i have never received any notice of this debt prior to reporting. According to the Fair Credit Reporting Act, I was supposed to be contacted via postal mail. I have been at the same address and have never received any correspondence from this company about any debt nor did I receive any information on how to dispute said collection account or any options to take care of the debt, if its a valid debt, prior to reporting to XXXX. 
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. 

This is NOT a request for verification, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I owe any money to your company.

At this time I will also inform you that your office reporting invalidated information to to XXXX  constitutes fraud under both Federal and State Laws. Due to this fact, if the traded line found my credit report by your company are not removed, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There was a hard hit on my credit and the institution making the inquiry is not identified. I called the number provided in the inquiry details and was told XXXX only provides the software they do not do the inquires. Called TransUnion the service reporting the inquiry and can not understand who was speaking and they could notunderstand me. 

Whoever, makes an inquiry on my credit should not be incognito or without my knowing before hand.
Consumer complaint received 2018-08-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Upon termination of a 39 month lease with XXXX XXXX XXXX, the 3rd party inspection company XXXX  cited excessive wear and tear of all 4 tires on the vehicle. The vehicle had been serviced exclusively by the authorized dealer to inspect, oil change and rotate tires. All completed on schedule/mileage as agreed. The vehicle was returned to the dealer with XXXX miles traveled, well below the allotted amount of the contract. We were not given access to the inspection report until a month and half later when we received a final bill for replacement of all 4 tires equaling {$1000.00}. 
We spoke with both the customer service representative and her supervisor XXXX XXXX to seek an explanation of the charges and to dispute the validity of the charges. We were provided the final report via email with photos of tires that showed wear but did not prove they were the tires of the vehicle we returned. In addition, attempts were made to schedule an inspection with the 3rd party  company XXXX prior to returning the vehicle. An inspection was scheduled but they arrived a day early when we were not home and they could not schedule anything prior to our return of the vehicle. We were at the mercy of the dealership, 3rd Party and XXXX XXXX once the vehicle was returned. The condition of the tires were not as stated in the report. Even in the case were the tires were in a state of heavy wear as stated, we were robbed of the opportunity to find reasonable replacement at another repair facility who would charge a fair and reasonable price. We were subjected to the highest price possible without any care by the dealership & finance arm of XXXX. We feel abused by this experience.
Consumer complaint received 2024-10-20
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. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-20
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. (GA)

Experian/XXXX and XXXXThese 3-credit bureaus are reporting fraudulent inaccurate information on my credit report. They also have old addresses and wrong names on my report. This has affected me adversely it's not until I pulled my report recently when I discovered that the information on my report was inaccurate : Wrong names Wrong address Wrongs husband 's names Debts that I was not aware of.
Consumer complaint received 2024-10-20
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. (KY)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : 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 consists Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I recently on XXXX requested detailed description of all procedures used in the XXXX bureaus verifying that payments were ever late. The XXXX bureaus responded that they received information from XXXX and XXXX that I was late but did not provide what I asked. Also I never gave permission for my information to be shared with a third party. And even if information was given that is legal all information would be the same among all XXXX  bureaus and is not. Im showing proof that the information is inaccurate and would like it to be removed immediately and updated. Also I will be reaching out yo an attorney due to several of my rights being violated per FCRA 15 UD code 1681, code 611 ( a ) ( 7 ), as well as code 605b
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

I hope this message finds you well. I am writing to formally request the removal of an old account from my credit report that is over XXXX years old. According to the Fair Credit Reporting Act, accounts that are more than XXXX years old should no longer be included in credit reports. The account in question is [ Account Number or Description ], which was opened on [ Date ] and has been inactive since [ Date ]. I kindly ask that you investigate this matter and remove the account from my credit file at your earliest convenience. Thank you for your attention to this issue.
Consumer complaint received 2024-10-20
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. (DE)

A hard inquiry was made by XXXX XXXX XXXX on my credit file on XX/XX/year>. I have not applied for credit and do not believe that they had permissible purpose to pull.
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

1. I have an interest only loan and the servicer is Shellpoint Mortgage Servicing. This month my statement had a charge for principal. 
2. I called them but they refuse to acknowledge that the loan is interest only. 
3.Last Friday I forward to them a Shellpoint letter date XX/XX/2018 that shows no principal payments are due on my loan. 
4. I called Shellpoint at XXXX XXXX XXXX today and my call was disconnected there times.
Consumer complaint received 2019-04-09
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: EQUIFAX, INC. (OH)

Equifax apparently supplies security questions to Social Security. The questions they have supplied do not pertain to me ( e.g. questions about mortgages, charge cards, addresses, former names, none of which are mine ). As a result, I can not access the SS site to set up an account to receive benefits. XXXX and XXXX both have proper information for me, with a correct listing of my loan and charge history - and I have a credit score of over 800. Equifax will not respond to my dispute request about this - it's website continues to say " This service is not in service '' and provides no means of talking with a representative. This has delayed my ability to apply for benefits for almost two weeks now. Please help!
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Here is a list of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

Following a previous CFPB complaint that I filed which disputed the amount of qualifying payments I had made toward PSLF forgiveness, XXXX XXXX, on XX/XX/XXXX sent me a letter with the corrected number of qualifying payments I had made toward PSLF forgiveness. 

The amount of qualifying payments I made was 59, through XX/XX/XXXX. I have made timely, qualifying, monthly payments toward my student loans every month following. 

On XX/XX/XXXX, I filed another annual employment certification to ensure XXXX XXXX   was accurately tracking my qualifying payments. In the letter, I advised that I had made 14 payments between XX/XX/XXXX and XX/XX/XXXX. When adding these 14 payments to the previously certified 59 payments, the total equates to 73 total payments. I requested XXXX  XXXX  notify me if this information was inaccurate. 

On XX/XX/XXXX, XXXX sent me a PSLF payment tracker advising that I had made 67 payments toward my subsidized student loans and 68 payments toward my unsubsidized student loans ( rather than the correct 73 number for both ). 

On XX/XX/XXXX, I contacted XXXX XXXX  to explain the entire aforementioned situation to them. I was told that there was an error, as they had changed to a new software system. She advised that she would put in a recount request. 

On XX/XX/XXXX, I had not received any update from XXXX XXXX, so I then contacted them to get a status. The representative advised me that the status was still pending, over six months later. 

At this point, after already filing one CFPB complaint regarding XXXX  XXXX  's inability to properly calculate my qualifying payments, I feel helplessly frustrated that CFPB does not follow its own admissions and conclusions regarding the correct number of qualifying payments that I have made. Additionally, a request to recount payments that is still pending over six months after being initiated is beyond egregious. In a converse hypothetical situation, how responsive would XXXX   XXXX be if I had failed to make any payments for six months?
Consumer complaint received 2018-08-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp (GA)

LENDING CLUB CORPORATION is reporting a fraudulent account I do not owe. also In the state of Georgia Collection of Debt on Account 4 yrs. 9-3-25 According to the FCRA the Time limit begins 180 day after the first delinquent payment FCRA ( c ) Running of reporting period. 6 ) ( 2 ) ( 1 ) In general in paragraphs ( 4 ) and ( of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. ( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

These names are not correct on my credit report. 

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX