davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am concerned about the accuracy and effectiveness of your bureau 's investigation process, as the fraudulent accounts persist despite the documentation I have provided. I am writing to formally dispute and request the removal of fraudulent accounts currently appearing on my credit report. I have previously reported these accounts as fraudulent, but they persist on my credit report, causing significant damage to my creditworthiness. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite these efforts, the fraudulent accounts continue to be reflected on my credit report, impacting my ability to secure credit and causing undue stress. I request that you conduct a thorough and comprehensive investigation into the presence of these fraudulent accounts on my credit report.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (NY)

Name : Midland Credit Management Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MI XXXX Contact Information : ( XXXX ) XXXX Product : Debt Collection Description of the Complaint : I am filing a complaint against Midland Credit Management for violating my rights under U.S. Code, Title 15. They obtained my personal information illegally without my consent, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

When I called them to issue a cease and desist order, I was surprised to find out that this was not the first time they had violated my rights. Midland Credit Management admitted to repeatedly violating my rights by accessing my personal information without consent. Additionally, reports show accounts with incorrect balances. I did not consent to the original creditors to share or sell my personal information to them. 

Violations and Estimates : Unauthorized Access to Personal Information : Midland Credit Management obtained my personal information without my consent, in violation of 15 U.S.C. 1681b ( FCRA ).

Estimated number of violations : 1.

Misrepresentation and Incorrect Reporting : Midland Credit Management reported accounts with incorrect balances, violating 15 U.S.C. 1692e ( FDCPA ). 
Estimated number of accounts with incorrect balances : 1.
Consumer complaint received 2024-08-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (LA)

My mortgage loan was sold to Shellpoint in XX/XX/year>. Before the sale of my loan, my account was under review with Specialized Loan Servicing for loss mitigation. I contacted Shellpoint on XXXX, 2024 to get an update on the status of the review, but was met with the voicemail of my point of contact. I left a message requesting a call back. The system guaranteed my call would be returned within 2 business days. I did not receive a call back at all, so I called Shellpoint again on XX/XX/year> to get an update on the status of my account, but they failed to provide the information and informed me that I needed to speak with my point of contact. I informed the CSR that I left a message for him to return my phone call, which he had not done, and requested that she email him with another request to do so. As of today, XX/XX/year>, I still have not received the phone call I requested from the individual who is responsible for processing my application for loss mitigation. 

I have received XXXX statements in the mail with my past due balance, and a letter saying that more documents are needed for Shellpoint to process my loss mitigation application, yet the person who I need to speak with has not returned my phone calls are requested.
Consumer complaint received 2023-05-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

I appreciate this level of communication and transparency regarding this matter. I would like to clarify, given my initial questions that I am in fact eligible for my current private loan, financed via MOHELA will in fact be forgiven, as this was a direct loan initially through Federal Student Aid. There seems to be a grey area of unanswered clarification between MOHELA, Federal Student Aid and the Borrower Defense department that I could use some assistance with. While I understand that all of my Federal Student Loans will be forgiven, I want to be clear that several years ago, I moved to MOHELA 's private student loan program in an effort to obtain a lower rate of interest on such a large amount of money, not knowing that I would later be awarded complete forgiveness as the submission at that time was pending and I was not explained from counsel or MOHELA that " if I chose to go private '', then I would be excluded from any potential forgiveness, discharge or reimbursement from pending claims and cases surrounding my case. In my opinion, it's only morally and ethically fair for those loans that moved from Federal to Private ( as a result of negligence on MOHELA 's part ) be forgiven as well. I will certainly contact the Dept of EdXXXX and ensure my information is current and up-to-date, however I would prefer final confirmation of my forgiveness to come directly from your organization. Any and all support assistance with this matter is appreciated. My contact information is also below if you would prefer to have a call regarding this for the final piece and mind. Thank you.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Account name : XXXX XXXX  account has been reporting as late payments since XXXX of 2023 i have been reporting and disputing these late payments to be removed from my credit file. They have not been removed. No reason in which account is reporting late when its auto pay out my checking out. When spoken to rep at XXXX i was told my payment changed to a differemt amount without my knowledge. This is problem which has caused me financial issues with my credit which been reportin like for over XXXX, Now account isn't reporting correct on file
Consumer complaint received 2023-07-09
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. (CA)

On XX/XX/2023 i sent and have notified Experian that they are in violation as well as the company that is reporting a collection account on my report. I do not owe any debt I will be pursuing legal action per violation per account. You are in violation of 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a viaolation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 
( Please see attachments ).
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FinCo Services Inc DBA Current (GA)

Someone stole my identity my phone and went into my XXXX XXXX and changed my pay election and put it to fake account that was made in my name. Then I told them before the money was gone and by time they responded days later if now. And they did the next pay check as well to same banks XXXX XXXX XXXXXXXX and they having knowledge of the identity theft and still refusing to pay me
Consumer complaint received 2023-07-09
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. (TX)

As of XX/XX/XXXX XXXX XXXX and Experian are showing different and incorrect information on my credit reports. 

Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX shows that the XXXX account is PAST DUE and has a balance of {$5.00}. This is not correct. The account was paid in full XXXX of XXXX. I am not PAST DUE {$5.00}. 

Experian shows that the XXXX XXXXXXXX XXXX  Account is PAID with the last payment date is XX/XX/XXXX. However, Experian also shows that I missed a payment in XX/XX/XXXX. This is not accurate. I paid the account in full and XXXX sent me a refund check because I overpaid it. 

The account was paid in full and both of these credit agencies are reporting inaccurate date which is hurting my credit. 

I asked them to investigate and both came back as validated and updated. This is incorrect.
Consumer complaint received 2024-06-13
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. (PA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Account Request for Investigation Dear CFPB, I am writing to formally dispute a fraudulent account that has been opened in my name without my authorization. I request your assistance in investigating and resolving this issue. Below are the details of the fraudulent account and the unauthorized activity : 1. Account Details : Account Holder Name : [ XXXX XXXX ] Account Number : [ XXXX ] Financial Institution : [ XXXX XXXX XXXX XXXX XXXX ] 2. Description of the Issue : XX/XX/XXXX ], I discovered that an account had been opened in my name without my consent. I did not authorize this account and have not engaged in any transactions related to it. This fraudulent activity has adversely affected my credit score and caused significant distress. 
3. Actions Taken : Reported the fraud to the financial institution on [ XX/XX/XXXX ]. 
Filed a police report on [ XX/XX/XXXX ] ( Report XXXX : XXXX ). 
Contacted the credit bureaus and placed a fraud alert on my credit report. 
4. Supporting Documentation : I kindly request that the CFPB investigate this matter promptly and take the necessary steps to resolve this issue. Please remove the fraudulent account from my credit report and ensure that no further unauthorized activity occurs. 

I appreciate your attention to this urgent matter. Please confirm receipt of this letter and keep me informed about the progress of the investigation. Should you require any additional information, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

When I discovered I had been a victim of identity fraud and someone used my personal information to fraudulently open credit accounts I obtained a copy of my credit reports. I discovered someone had fraudulently opened an account with Capital One Bank on XX/XX/2015. I immediately contacted Capital One by phone and letter. I also informed Capital One Bank someone had fraudulently tried to file a bankruptcy petition to hide the fraud. Capital One Bank said since the information used to open the account matched my information they said the account was mine and I needed to pay it. Capital One Bank refused to give me a copy of the fraudulent application.
Consumer complaint received 2024-06-13
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. (NE)

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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.

Under 15 U.S. Cneverode 1681b Permissible purposes of consumer reports I gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

This is second box in the files attach ghe two documents you sent me and when. You type company name just use any one with XXXX XXXXXXXX and Experian Please remove these items as it is in violation of my permissible purpose these accounts were forged of my signature i never gave written permission to furnish at all never gave permission to the alleged creditor or the third party reporting agencies XXXX XXXX and Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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. (NV)

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-13
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding Unauthorized Re-insertion of Debt on Credit Report To Whom It May Concern, I am writing to formally dispute the unauthorized re-insertion of a debt on my credit report. I have already disputed this debt, and it was previously removed. The recent reappearance of this debt on my credit report without proper validation and notification is a violation of my consumer rights. 
I request that the Consumer Financial Protection Bureau investigate this matter, as the actions of the collection agency may be in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking the following regulations and laws relevant to this dispute : 1. 12 CFR 1006.34 ( b ) ( 5 ) : I did not receive the necessary information about this debt, including my right to dispute it within 30 days. I request evidence that this information was supplied to me as required by this regulation. 
2. 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) : I did not receive proper notification about the re-insertion of this debt or my rights to dispute it. This lack of notification violates this provision, which mandates clear communication of my rights. 
3. 12 CFR 1006.34 ( d ) : The collection agency appears to be using false, misleading, and deceptive means to re-insert this debt. Such practices are prohibited under this regulation, indicating a violation of my consumer rights. 
4. 15 USC 1681-S 2 ( 7 ) ( A ) : Reporting this debt to credit reporting agencies without proper notification and an opportunity for me to dispute it is a violation of this statute. This law requires creditors to provide accurate and fair information to consumer reporting agencies, which has not been followed in this case. 
I request that you provide me with a detailed method of validation for the re-insertion of this debt. This includes : Proof of the process followed for validation. 
The names and contact information of individuals spoken to during the process. 
Copies of any emails sent regarding this matter. 
Certified mail receipts or other forms of documented communication. 
Without proper validation and notification, the re-insertion of this debt is both unlawful and unjustified. I ask that you cease all collection activities and remove any negative entries related to this debt from my credit report until this matter is fully resolved. Please respond to this dispute within the legally mandated time frame and confirm receipt of this letter. 
Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-13
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. (CA)

I noticed huge amounts of errors on my credit report so I contacted the credit bureaus via mail to dispute the reporting. That was 45 days ago and I have not heard back from them in regards to my dispute. The fcra states that they have 30 days to investigate or the must delete the information. I am requesting that the information be deleted from my report because they failed to investigate, correct or delete and they also failed to notify me of their results.
Consumer complaint received 2024-06-13
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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. (FL)

XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Experian Dear Sir/Madam, I am writing to dispute the inaccurate and incomplete reporting on my credit report, which I obtained from your agency. After reviewing my credit report, I noticed several discrepancies in the reporting of late payments on my XXXX account. These inaccuracies are in violation of my consumer rights as outlined in XXXX XXXX XXXX. 
Account Information : Account # : XXXX Account Type : Mortgage Bureau Code : Individual Account Status : Open Monthly Payment : {$1800.00} Date Opened : XX/XX/XXXX Balance : {$270000.00} No. of Months ( terms ) : XXXX High Credit : {$280000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Discrepancies : XXXX. Late Payment Reporting : The credit report indicates late payments on my XXXX account, which are inaccurate. I have never been late on my payments. The reporting of these late payments is misleading and does not reflect my creditworthiness accurately. 
2. Incomplete Reporting : The reporting of late payments lacks detailed information such as the dates of the alleged late payments and the amounts overdue. This incomplete reporting makes it difficult for me to address and rectify the issue effectively. 
XXXX. Missing Information : The credit report fails to provide any specific comments or explanations regarding the late payments, further complicating the matter and impeding my ability to dispute these inaccuracies. 
4. If you noticed your reporting is inconsistent with XXXX and XXXX. Its being reported correctly in the other XXXX credit bureaus as on time/Pays as agreed I request that you conduct a thorough investigation into these discrepancies and promptly remove any inaccurate or incomplete information from my credit report. Additionally, I expect to receive a written response detailing the results of your investigation and any actions taken to rectify the errors within the time frame required by law. 
Please be advised that I am prepared to take further legal action if necessary to ensure that my consumer rights are protected and that my credit report accurately reflects my credit history. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely XXXX XXXX
Consumer complaint received 2015-09-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (FL)

The credit card was paid with a valid lawful financial instrument. Instrument was never returned or denied and believed to have been negotiated by the bank to settle the account. In addition the entity sending the communication CARD SERVICES is believed a third party interloper and Barclay Bank have never requested permission to share private information with CARD SERVICES and such communication might be unlawful