davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
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. (PA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-19
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-09-19
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. (NV)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

XXXX Date of Inquiry XX/XX/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
Consumer complaint received 2024-10-30
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MD)

I am filing a complaint regarding wage garnishment actions initiated by Stillman Law Office to collect on private student loans originally serviced by XXXX, which are now under review for discharge due to institutional misconduct by XXXX XXXX XXXX ( XXXX XXXX ). Despite my eligibility for loan discharge based on documented fraud and misrepresentation by XXXX XXXX, Stillman Law Office has continued wage garnishment, disregarding the active loan discharge review process. 

Details of My Situation : Background : I attended XXXX XXXX XXXX, an institution that engaged in widespread fraud, misrepresentation, and predatory lending practices. XXXX actions led to enforcement actions by the Consumer Financial Protection Bureau ( CFPB ), the Department of Education, and the Federal Trade Commission ( FTC ), establishing that former students like myself are eligible for loan forgiveness due to this misconduct. 

Loan Discharge Application Submitted : I submitted a Borrower Defense to Repayment ( BDR ) application to XXXX on XX/XX/XXXX, and my loan was subsequently transferred to XXXX for servicing. XXXX has confirmed the application is under a 90-day review, which is still in process. Therefore, any garnishment on these loans should be paused until a final discharge determination is made. 

Continued Wage Garnishment : Despite being in the loan discharge review process, Stillman Law Office has continued to garnish my wages for these private loans. This action disregards my rights under federal protections for borrowers impacted by school-related misconduct, including those established by the Higher Education Acts Borrower Defense to Repayment provisions and the FTC Holder XXXX. Additionally, Executive Actions taken in XXXX by the Biden administration granted group discharge to XXXX XXXX XXXX, further supporting the stay of collection activities until discharge eligibility is confirmed.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 

Former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

Subject : Formal Debt Validation, Cease-and-Desist Request, and Credit Bureau Reporting Removal To Whom It May Concern, I am writing to formally request validation of a debt that your company claims I owe for XXXX services in the XXXX of {$220.00}. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request comprehensive validation of this alleged debt. 

Request for Debt Validation Under Section 809 ( b ) of the FDCPA, I am requesting that you provide : Proof that IC Systems is legally authorized to collect this debt : Including documentation of the original creditor 's ownership of the debt and any assignment or transfer of the debt to your company. 

Complete accounting of the debt : A detailed breakdown of how the amount of {$220.00} was calculated, including all fees, interest, and other charges. 

Proof of the original creditor 's agreement : Including a copy of any agreement or contract bearing my signature, as well as a full transaction history from XXXX. 

Cease-and-Desist Request Under 15 U.S.C. 1692c ( c ), I also request that IC Systems immediately cease all communications with me regarding this matter, except to provide the requested validation information or notify me of specific actions such as the termination of collection efforts. Continued communication outside these parameters will constitute a violation of the FDCPA. 

Request for Deletion of Credit Bureau Reporting Additionally, if you are unable to fully validate this debt as required by law, I request that any and all information regarding this alleged debt that has been reported to any of the credit reporting agencies ( XXXX, XXXX, XXXX ) be immediately deleted. This request is made under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires that debt collectors only report accurate and fully validated information to credit bureaus. 

If this debt can not be properly validated within 30 days, I expect immediate cessation of collection efforts, removal of all related information from my credit reports, and full compliance with the FCRA and FDCPA. Failure to do so may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Texas Attorney Generals office, and potentially pursuing legal action to recover damages for violations of my rights under both state and federal law. 

I trust that your company will address this matter promptly and in accordance with the law. Thank you for your attention to this issue, and I look forward to your swift response.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on Credit Report Violation of FCRA 15 U.S.C. 1681i Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information that has been reported on my credit reports from the major credit bureaus. Under **FCRA 15 U.S.C. 1681i**, I am entitled to have any erroneous or unverifiable information corrected or removed from my credit report. 
I have identified the following inaccurate information, which appears differently across the three major credit bureaus ( XXXX, Experian, and XXXX ) : XXXX XXXX XXXX : XXXX **Discrepancy** : The status, Status update, Balance Updated, and address of Kohls are all different across all 3 credit bureaus This information has negatively impacted my credit score, and I believe it to be inaccurate and in violation of the FCRA 's requirement that information must be reported consistently and accurately by all credit bureaus. As a consumer, I am requesting an investigation into this matter and that any unverifiable or inconsistent information be removed or corrected. 
In accordance with **FCRA 15 U.S.C. 1681i**, I kindly request that the CFPB intervene in this matter and take appropriate action to ensure that my rights under the FCRA are upheld. Please provide a written response detailing the actions taken by the CFPB and the credit bureaus to resolve this issue. 
I have attached copies of my credit reports, along with any supporting documentation, to assist in your investigation. Please feel free to contact me if further information is required. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX [ Your Signature ( if sending a physical letter ) ] ---
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am writing to formally request the immediate correction of inaccurate personal information in my consumer report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a partial report highlighting the incorrect information that needs to be deleted.

The accurate details that should be reflected in my report are as follows : Name : XXXX XXXX XXXX XXXX, Date of Birth : XX/XX/year>, Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX, Additionally, I request the immediate removal of all phone numbers and any other incorrect information not pertaining to my accurate identity. The FCRA entitles me to dispute inaccuracies, and I expect prompt action to ensure my report reflects accurate information. 

Please confirm that these corrections have been made and inform me of any additional steps I need to take.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (MD)

XXXX XXXX XXXX transferred the servicing of my mortgage loan to Shellpoint Mortgage Servicing, a division of New Penn Financial, LLC on XXXX XXXX, 2016. ( Exhibit A ) At that time, my mortgage was delinquent and XXXX XXXX XXXX had approved a six month forbearance on XXXX XXXX, 2016. ( Exhibit B ) Per statement balance from XXXX XXXX XXXX dated XXXX XXXX, 2016, my delinquent balance amount was {$6400.00}. ( Exhibit C ) On XXXX XXXX, 2016, I made a payment by check of {$3400.00} to a XXXX XXXX XXXX branch location in XXXX XXXX, Maryland. ( Exhibit D ) This should have taken my delinquent balance down to {$3000.00}. I received a mortgage statement from Shellpoint Mortgage with first payment due for XXXX XXXX, 2016 in the amount of {$1300.00}. ( Exhibit E ) I contacted Shellpoint Mortgage on XXXX XXXX, 2016 to notify them of a my payment that I made to XXXX XXXX XXXX. I spoke with XXXX XXXX XXXX, he informed me that my total past due amount is {$6400.00}. I told him I did n't understand why it is that much. He explained there is {$2500.00} of fees and charges accrued over the years of having the loan. He told me to email escalations. I sent an email to escalations on XXXX XXXX, 2016 ( Exhibit F ) and another email on XXXX XXXX, 2016. ( Exhibit G ) I received a letter dated XXXX XXXX, 2016 in response to my emails. This letter shows a balance of {$7800.00}. They state in the letter that {$2500.00} are corporate advances. ( Exhibit H ) I have a statement dated XXXX XXXX, 2016 with a past due balance of {$7800.00} ( Exhibit I ) and a statement dated XXXX XXXX, 2016 with a balance of {$4300.00}. ( Exhibit J ) I made a payment of {$1300.00} on XXXX XXXX, 2016 ( Exhibit K XXXX On XXXX XXXX, 2016, I called Shellpoint customer service and spoke with XXXX XXXX and XXXX XXXX, they stated my current balance due is {$6400.00}, delinquent for three payments. My monthly payment is {$1300.00}, which adds up to {$3900.00}. I do n't understand what is happening to my mortgage account. I fear that this transfer of mortgage servicing is going to cause me to lose my home due to errors in financial computing.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX, michigan, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Regarding Inaccurate Information on Credit Report Violation of FCRA 15 U.S.C. 1681i Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information that has been reported on my credit reports from the major credit bureaus. Under **FCRA 15 U.S.C. 1681i**, I am entitled to have any erroneous or unverifiable information corrected or removed from my credit report. 
I have identified the following inaccurate information, which appears differently across the three major credit bureaus ( XXXX, Experian, and XXXX ) : Self Financial/Lead Bank **Account Number** : XXXX **Discrepancy** : The status of this Account on Experian says and paid closed. {$530.00} written off. But on XXXX the status of this account says just Charge off then on XXXX the status of this account says payment after charge off/Collection. Then the status update says XX/XX/year> on Experian. On XXXX the status Updated says XXXX 2024 but on XXXX the status update says XX/XX/year> the balance Update doesnt have a date on Experian and on XXXX XXXX balance update is XX/XX/year> but on XXXX XXXX balance Update is XX/XX/year> and the Address to XXXX XXXX XXXX  is different across all 3 Credit bureaus. 
This information has negatively impacted my credit score, and I believe it to be inaccurate and in violation of the FCRA 's requirement that information must be reported consistently and accurately by all credit bureaus. As a consumer, I am requesting an investigation into this matter and that any unverifiable or inconsistent information be removed or corrected.

In accordance with **FCRA 15 U.S.C. 1681i**, I kindly request that the CFPB intervene in this matter and take appropriate action to ensure that my rights under the FCRA are upheld. Please provide a written response detailing the actions taken by the CFPB and the credit bureaus to resolve this issue. 
I have attached copies of my credit reports, along with any supporting documentation, to assist in your investigation. Please feel free to contact me if further information is required. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

I have included the following information : Copy of my photo ID Proof of current address Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

On XX/XX/XXXX, I received reports of multiple hard inquiries on my credit via XXXX XXXX. These inquiries originated from XXXX XXXX XXXX in XXXX TN for a XXXX XXXX XXXX XXXX. I have never lived in Tennessee and was working in Wisconsin at the time of the inquiries and did not approve of these credit inquiries. I believe someone fraudulently used my social security number and personal information to try to get an auto loan. I contacted the companies that prompted the inquiries which included XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX and it appears the loan was not fully processed. I also contacted Equifax, XXXX, and XXXX to freeze the accounts and place fraud alerts. However, Equifax continues to claim that the hard inquiries were legitimate and refuses to remove these inquiries from my credit report. There does not seem to be any other way to contact Equifax to get this concern resolved.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint regarding my XXXX XXXX account with XXXX XXXX  XXXX. There are multiple issues I need addressed : Inaccurate Credit Reporting : On XX/XX/2024, my XXXX  XXXX  account was reported with a balance of {$9700.00} and a credit limit of {$8500.00}, showing I am using 115 % of my account limit. This is incorrect and has negatively impacted my credit score. I dispute the accuracy of this reporting under the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to credit reporting agencies be complete and accurate. 

Tampering with Account : My account was recently tampered with, which I reported to XXXX XXXX  XXXX. The bank conducted an investigation, but I was not notified or provided with any consent form for this investigation. Under the Electronic Fund Transfer Act ( EFTA ), I have the right to be notified and consulted during any investigation involving fraudulent transactions or tampering with my account. The bank 's failure to involve me in this process violates this law.

Failure to Address Fraud : Following their internal investigation, XXXX XXXX XXXXXXXX concluded that funds had been tampered with on my account, but they failed to provide a resolution. I am requesting the removal or deletion of these inaccurate and fraudulent charges, as they were made without my consent. Under the Fair Credit Billing Act ( FCBA ), I have the right to dispute unauthorized transactions and have those charges removed if proven fraudulent.

Requested Action : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that : The inaccurate information regarding my balance and credit limit is corrected immediately.

Any negative impact on my credit score, including late payments, is removed as per FCRA guidelines.

All fraudulent transactions are deleted from my account, and I am provided with a resolution that complies with both the EFTA and FCBA.

I look forward to a prompt resolution of this matter and appreciate your attention to the seriousness of the issue. 

By citing the Fair Credit Reporting Act ( FCRA ), Electronic Fund Transfer Act ( EFTA ), and Fair Credit Billing Act ( FCBA ), you strengthen your case with legal backing for the removal of the inaccuracies and fraudulent charges. Make sure to include any supporting documentation if requested.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I bought a New Product called XXXX through XXXX XXXX. This was back in or around XXXX XXXX  2022. I immediately Reported to my Bank when I realized I had not Received the amount of dollar value I purchased. The points are there in XXXX, but the dollar amount is not there. I bought {$1100.00} worth of Merchandise Points and my Merchandise Points Value is only worth $ XXXX {$500.00} in XXXX XXXX. My Banking Company USAA is not fixing the Problem. This is after at least one employee understands the Situation and says I am Correct in asking for USAA and, or XXXX XXXX to Refund my money and Refund my Purchase. Now almost a year later and after trying to make 4 Disputes with USAA one Dispute after another Dispute. Nothing has been Resolved.