davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
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)

Three accounts by the same company requesting a Debt Validation XX/XX/year> Amount : {$680.00} and action direct mail XX/XX/year> XX/XX/year> Amount : {$730.00} and action direct mail XX/XX/year> XX/XX/year> Amount : {$760.00} and action direct mail XX/XX/year>
Consumer complaint received 2020-10-27
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. (TX)

XXXX  ; Experian and XXXX  should not be reporting me as an authorized user on the CREDITCD/FBT partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I paid off two student loans and paid off two credit card completely. Equifax dropped my credit score over XXXX points, before it reported the XXXX balance on the accounts. My credit is reporting addresses that dont belong to me. Every other credit bureau increased my score but Equifax will not increase it at all. I strongly believe Equifax is discriminating against minorities, by dropping scores.
Consumer complaint received 2020-09-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation (TX)

Beginning in XX/XX/XXXX I sent in a debt verification letter to XXXX XXXX. The information was provided in a timely manner and they were told to delete it from my credit report. The collection agency deleted the info but the original creditor did not. On XX/XX/XXXX I sent in a new round of disputes to XXXX XXXX XXXX And to no avail it is still on my credit report. The account keeps coming back verified. Requested the method of verification and have not been sent anything as of this date.
Consumer complaint received 2020-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Good Morning! Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Cottonwood Financial Ltd. (TX)

On XX/XX/20 a number called my father who I haven't spoken to in years and told him I was in trouble and had a pending case against me. Then she called my mother and identified herself as XXXX XXXX. She then became interrogating my mother asking if we live together and telling her I was in trouble as well. This number has only called me once and should not be contacting my family telling them I am in serious trouble. Once I called the number she gave my mother, it was a preceding office stating the cash store filed 3 charges against me. The cash store is also stating I owe them XXXX when I really owe them XXXX. I do not agree with their communication tactics as I haven't received anything, but 1 phone call which was this morning, XX/XX/20, and for them to harass my family is unacceptable.
Consumer complaint received 2017-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (WA)

XXXX currently services my student loans. I am enrolled in the public service loan forgiveness  program and my employment was certified back to XXXX. Twice I have sent letters ( XXXX and XXXX of XXXX ) asking XXXX to review my payments made under this program during the time periods for which they already certified. I sent very clear information to them documenting payments made over the past ten years. The first letter I asked them to certify payments already listed in the XXXX XXXX XXXX XXXX. Unfortunately this database is missing payment information related to over 5 years of payments made under three different loan servicers. I 'm not sure why payments made toon federal loans are missing ( XXXX ) from the database especially since I have always had federal loan servicers such as the XXXX XXXX XXXX XXXX. 

XXXX initially certified 28 payments which were mostly recent payments made after XXXX. Not long after their records changed to indicate that only 26 payments have been approved towards the 120 payments required for PSLF. No reason was given as to why two payments were dropped. I explained in both letters to XXXX  which servicers held my loans and during what years. In my most recent letter of XXXX XXXX I sent bank statements indicating payments that were made for over 50 months during time that they have already certified. This was because the database did n't have any records of payments being made during this time period. 

There has been no response whatsoever since. I have several sent messages on their website asking for why two payments were dropped from their calculations, what months have actually been qualified thus far and the status on the bulk of my payments made since XXXX for which I provided detailed documentation. 

Both my ex wife and I have maintained public service employment for almost 20 years she as a XXXX  and myself with XXXX and XXXX XXXX. Our experiences with the loan servicers has been nothing less than a nightmare for the past ten years. The servicers have no accountability towards the customers when questions are posed or information is sought after. The practice of capitalizing interest is even worse for students. Our original XXXX in student loan debt has turned into XXXX during this time. We 've never been in default and always made our payments except a few times for financial hardship during the great recession. 

We are counting on loan forgiveness and concerned the Department of Education will not follow through on its commitment.. 



In any other financial program this would not be acceptable. 

Please help. 

XXXX
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Sent in three letters stating that the address they have on file are wrong, the only address that should be on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. Please delete all other addresses because they are outdated information, and some of them I never lived there. They still havent deleted the old address.I have been a victim of fraud in the past due to things being sent to other addresses and people using my information.
Consumer complaint received 2018-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (DE)

I have sent written request on multiple occasions to XXXX XXXX requesting VALIDATION of a debt that is listed on my credit file, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). XXXX XXXX failed to validate the debt after multiple attempts to resolve this issue. This is a violation of the fair credit reporting act, violation of the fair debt collection practices act, and defamation of character.
Consumer complaint received 2018-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review.

SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale up on the trustees site and when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification.
Consumer complaint received 2018-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I hereby issue this affidavit within this Federal platform. At this time, the above is issuing a temporary gag order against Transunion and XXXX. Because at this time the above filed a complaint againt Trasunion Complaint ID # XXXX on XX/XX/2018 and also filed a complaint against XXXX Complaint ID # XXXX on XX/XX/2018 with XXXX XXXX XXXX - Division Cheif, Consumer Protection Division -Michigan Attorney General Office XXXX XXXX XXXX XXXX , MI XXXX. It has been brought to my attention that both of these institutions are soliciting inaccurate information about my identity with their clients during an investigation with the Michigan Attorney Generals Office. It is further been discovered that these two institutions are sharing reports with their clients but are withholding information that the insititutions themselves are under an ongoing investigation with the Michigan Attorney Generals Office - compalint # 's listed above. At this time the above does not feel that his information is being safe guarded by either of these two instituions wherefore I am attaching this affidavit with each and every application that the above releases and in doing so i will offer an invitation to any and all creditors to re-direct their request for complete file information to be done with only XXXX and the above will pay for the full complete report regardless of whether a creditor extends credit or not. All you have to do is contact me by email and submit request for payment. 

The above certifys that on this date XX/XX/2018 at XXXX XXXX  that a true copy will be faxed to both Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX and XXXX : XXXX XXXX XXXX, TX XXXX by the next business day XX/XX/2018 2018
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Have contacted the companys with the following account numbers and have failed to provide singntures of both mine and theirs which proves I dont have a contract with them they can not provide a contract so the following accounts must be removed and deleted from my credit report. Acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 information is inaccurate.
Consumer complaint received 2024-10-19
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. (GA)

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Experian, XXXX, or XXXX permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections (CA)

A random collection from Bonneville Collections of XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, UT XXXX XXXX : XXXX, XXXX XXXX CEO, showed up on my credit report with no account number, original creditor or contact information. I wrote twice requesting Proof of Contract that Bonneville Collections was entitled to enforce a commercial claim against me. 3 months passed and they did not respond. I called, explained the FDCPA and FCRA that this was fraud. They have refused to provide any proof that I signed any contract or agreement that I owe them or the original creditor anything. They have refused to remove the collection. They are in direct violation of both the FDCPA and FCRA. 

This has caused me serious financial harm in the loss of low interest loans, lowering of my credit limits and scores and increases in my interest rates. I am a XXXXXXXX XXXX XXXXXXXX   XXXX veteran. This has caused myself and my wife XXXX XXXX XXXX on top of financial problems. 

Please help! 
Kind Regards, XXXX XXXX XXXX
Consumer complaint received 2024-10-19
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. (AL)

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

I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. 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 to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-19
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. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2020-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLIANT CREDIT UNION (TX)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the  Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX