davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WI)

The last few years I have had my loans auto debit for interest only payments. The reason for this is because they for some reason could not offer a repayment option that could be affordable for me. So they said they could only offer after my deferment and forbearance options were used up was interest only payments for  XXXX  dollars per month. This was just so I could avoid the account going into default which I felt I was being threatend with. Well the thing about the interest only payments on auto debit is when they choose to end the the interest only payment on auto debit they change it to a full payment without informing me that it was changing or asking permission to do so. As far I 'm concerned it is a form of fraud. Just because they have my account number does not allow them to do as they please with it. This happened to me most recently today  XXXX / XXXX /2017. I had a car insurance payment I was expecting to have the money for now there is nothing in my account to cover it because they took   XXXX   dollars out instead of my expected   XXXX    dollars. My car insurance needs   XXXX   dollars or I will be cancelled on me. I thought by now in my lifetime I would have been done with my student loans considering it has been nearly 17 years since graduating. Navient is not very helpful especially when concerning my money they only care about their income. My name is   XXXX   XXXX   XXXX   and I am sick of feeling like I ca n't move forward with my life. It 's a never ending assault.
Consumer complaint received 2017-07-17
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: Experian Information Solutions Inc. (CT)

My current credit report lists   XXXX   XXXX   XXXX   XXXX   XXXX   as being 120 past due with 9 missed payments since   XXXX   2016 and in adverse status. I have not MISSED ONE PAYMENT. I have made 31 payments since  XXXX  of 2016 totaling {$18000.00} ( see printout from the state of CT attached ). I called the state of CT and they told me to dispute the credit report with  XXXX . I did and they still did not fix my payment history or account status. They changed the balance, but not my payment history. This mistake is probably bringing my FICO down   XXXX   points.
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Results Unlimited, Inc. (MS)

I currently received a wage garnishment that I was n't served any paperwork for. After contacting the company, I was told by an employee that the paperwork was served to an address in  XXXX  even though they had my current address in   XXXX   on file. I have not received any written communication from the company to dispute the debt and they served me in a state that is over  XXXX  miles away therefore I am unable to file a wage exemption. I requested documentation of the debt and proof of any communication to my current address and was told they do n't have to give me anything.
Consumer complaint received 2023-07-11
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & Bankruptcy XXXX XXXX XXXX
Consumer complaint received 2024-09-10
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. (NJ)

Recently I looked at a copy of my credit report and noticed a incorrect accounts. I feel that this accounts is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX. XXXX XXXX XXXX  - Account number : XXXX After your investigation is complete, please send me the results via mail. 
Thank you in advance.
Consumer complaint received 2017-07-17
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. (LA)

Complaint Details I am filing this complaint due to several unauthorized inquiries showing on my credit report. At the time I received those credit inquiries on my Transunion credit report there was a fraud alert on my account and anytime someone runs my credit I was to be notified and I was not. therefore my consumer rights were violated. I also contacted Transunion via mail and phone but I was denied to get these items removed from my credit report. I contacted each creditor through phone and was told that they could not provide me with any info and through mail I heard nothing back that was well over a month ago. I 've contacted Transunion and stated this, I was constantly told to contact creditor even after I told you all that I have not received a response. I did not give any one of these creditors permissible purpose to pull my credit and as I stated before a fraud alert was on my acct. I should have been alerted and that was not in full compliance with the FCRA. I do not do business with neither one of the companies that accessed my credit report. I would like Transunion to furnish proof from each creditor stating that permission was in fact given I would like proof with in 30 days. If you all can not furnish proof with in 30 days I would like for u to comply with the FCRA and remove each inquiry from my credit report.
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The list of unauthorized credit inquiries consist of :   XXXX   inquiry from XX/XX/XXXX    XXXX   XXXX   inquiry from XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX   XXXX  inquiry from XX/XX/XXXX   XXXX  inquiry from  XX/XX/XXXX
Consumer complaint received 2024-09-10
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. (OH)

" 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 : ( 2 ) 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 ( 5 ) 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 2017-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC (GA)

On XX/XX/XXXX I summit a complaint against Pinnacle Credit Services, LLC/   XXXX   XXXX   XXXX   and they responded on  XX/XX/XXXX , I still waiting for their account to be deleted from all  XXXX  major credit bureaus, it has been more than 30-45 days and now I request to be deleted immediately.
Here is the letter that they sent.
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 XX/XX/XXXX  Consumer Financial Protection Bureau   XXXX   XXXX   XXXX   ,   XXXX   XXXX  , D.C.  XXXX  RE :   XXXX   XXXX   XXXX   XXXX    ; CFPB Case # :   XXXX   Account Number :  XXXX  Original Creditor :   XXXX   XXXX   Current Owner : Pinnacle  Credit Services , LLC Reference Number :  XXXX  Dear Sirs/Madams, This letter is in response to the Consumer Financial Protection Bureau ( CFPB ) inquiry received  XX/XX/XXXX  rega rding the above-referenced account. Pinnacle Credit Services , LLC ( Pinnacle ) currently owns the account having acquired it on  XX/XX/XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   
(  XXXX  ) is the servicer of this Pinnacle account and began servicing it on or about  XX/XX/XXXX .
Please note that   XXXX   takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance-related functions in order to identify, resolve and permanently correct operational deficiencies or improve upon customer concerns.
This account originated on XX/XX/XXXX  with   XXXX   XXXX  . The last payment was received on  XX/XX/XXXX . The account charged off on  XX/XX/XXXX  with a balance of {$1200.00}. The current account balance is {$1200.00}.
All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies ( also known as credit bureaus ) in the event that the account is eligible for credit reporting. Currently, this account is being reported as disputed to the   XXXX   major consumer reporting agencies on behalf of Pinnacle. However, as a courtesy, since the legal time limit for bureau reporting is approaching on this account, a request to delete the Pinnacle trade line will be submitted to the  XXXX  major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale.
 XXXX  received the multiple electronic disputes that   XXXX   XXXX   submitted through one or more consumer reporting agencies.   XXXX   has responded in a timely manner and provided the agency with information relevant to his dispute.
Consumer complaint received 2023-04-20
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. (IN)

XXXX XXXX  On or about XXXX of 2022 I found on my credit a charge card from XXXX XXXX  Of department store through XXXX XXXX. I called and they told me it was opened by my ex-wife. I told them it was not my debt, nor would I pay it. I filled in a police report and an affidavit with FTC. I have opened investigations with the three major credit bureaus as well as XXXX XXXX, XXXX, XXXX XXXX, and XXXX. They all Sent letters and refused to take the debt off my report, causing me great harm and loss. I have sent numerous registered mail services to address this issue including copies of my drivers license, copies of the police reports and the affidavits, as well as all other associated documentation. The reason for their refusal to remove the inaccurate credit listing is that the lender verified the debt. I have sent more than one letter of registered mail to the lender with no answer nor the removal of any inaccurate information.
Consumer complaint received 2024-10-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Lending Force, LLC (WV)

My husband and I applied at Lending Force LLC for a refinance XX/XX/year>. When the initial loan documents came through for us to sign the information on the documentation was incorrect. I reached out to the Loan officer and advised her the documents were different than what we discussed. We did not sign those documents. The next documents came in and they had me and the veteran and my husband as the borrow, I again advised that this is incorrect as my husband was the veteran were then told it would be fine only for us later on to have to resign these documents. During this whole process we were asked to provide multiple documentations and we submitted every request. When it was time for the closing disclosures were were sent someone else 's documentation that lived in South Carolina and we live in XXXX XXXX. The notary finally got our documentation and that is when we found out we had received the wrong one earlier that day. I called XXXX XXXX as the amount that was finally amount that was supposed to be deposited in our account was different than what I saw earlier that day. That's how we found out that we were sent the wrong documents earlier. We finally ended up signing the correct loan documentation until XXXX XX/XX/year>. We were told that Lending Force LLC sends us the checks already paid out to the debtors and we just have to mail them. On Monday, XX/XX/year> the check arrived via XXXX. We looked at the checks and I noticed that only my husband 's name was on the checks as a reference not my name. I included my account numbers and my statements on all the debts. On Tuesday, XX/XX/year> I mailed all the checks and went to XXXX to pay the debts.I had to explain that my husbands name is on there but we did a refi and this was for my credit card and loan payment. It was no issued the payment was processed I got my receipt. My husband went to XXXX on Wednesday, XX/XX/year> to pay on his loan with the check that was provided. He got his receipt. On Friday, XX/XX/year>, I login to check my XXXX  account to make sure that the balances were zeroed out and I see that both of the payments that were made on my credit card and loan were reversed and charges were deducted from my account. I called XXXX and the rep said the checks were returned and to call the issuer. I reached out XXXX and told him what happened and that I have mailed all the other checks, why are the checks not clearing. Now my husband did this whole refi for what b/c now we are incurring my charges. I expressed my frustration and concerns to be told they will issue more checks. I do not wish to have more checks issued only to end up in this same situation again. I asked if they could wire the monies to the lenders and was told no they can't. As of XXXX XX/XX/year> there has been no resolution. This has been both unprofessional and inconvenient for my husband and myself.
Consumer complaint received 2024-09-10
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. (VA)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2017-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accudata Credit Systems LLC (MO)

I would like to begin by saying that this is common practice for the landlord associated with the complaint, who houses approximately  XXXX  students in  XXXX , MO, every year. If they know you are graduating, they send you a notice of damages knowing you will never be their customer again, knowing most people will pay. Of  XXXX  fellow graduates and tenants that I spoke with, all have experienced the same issue. This is rampant abuse of the system.
 XXXX 
I leased an apartment from   XXXX   XXXX   XXXX   XXXX   XXXX  . The lease ende d  XX/XX/XXXX . O n  XX/XX/XXXX , I received notice from  XXXX  in the landlord 's accounts receivables division that I was being charged {$160.00} for 'damages ' to the unit I leased. There were no damages to the unit, and this was confirmed orally by their leasing agent,  XXXX , to my roommate,  XXXX , at the commencement of our walk-through on  XX/XX/XXXX .   XXXX    was not provided with documentation of the lack of damages. More relevant than the lack of damages is the state of Missouri 's requirement of landlord 's to deliver notice of damages within 30 days of the termination of the lease. See here :   XXXX   XXXX   XXXX   XX/XX/XXXX J XX/XX/XXXX , and I received notice of damages on  XX/XX/XXXX . I quoted the relevant statue provided above to  XXXX  in accounts receivable, expressing that I would not be paying for the damages. According to  XXXX , my 'debt ' was sent to collections company Accudata on XX/XX/XXXX . I never received notice of this 'debt ' from Accudata.
 XXXX 
My father, however, did receive notice, and received a derogatory mark on his credit report, too. He disputed the debt with Accudata immediately by mail, expressing that  XXXX  was too late in reporting damages to us according to Missouri statutes. Accudata replied by sending back images of supposed damages.
 XXXX 
The derogatory mark from Accudata exists on our credit reports to this day, and we have still not paid said 'debt '.   XXXX   XXXX   XXXX   XXXX   XXXX   is a subsidiary of   XXXX   XXXX   XXXX  , and operates under the '  XXXX   XXXX   XXXX   ' brand.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-07-14
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. (SC)

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA XXXX According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX, nor did I provide written consent for my credit report to be accessed.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I have disputed XXXX account on my credit report that does not belong to me. I recieved letter back from XXXX stating the account does not belong to me. This dispute is to experian and XXXX. XXXX has verified my dispute as information coming from the same source. Thus there reporting also needs to be the same. see document attached to prove my case.