davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

This complaint is regarding Firstmark Services for a loan through Nelnet for my son for college. My loan disclosure was finalized on XX/XX/. On XX/XX/ I received an email from Firstmark that my loan had entered repayment. On their website it showed {$430.00} due as a monthly payment, with the first payment due XX/XX/. This does not match my loan disclosure which states no payments XXXX ; payments of {$220.00} XXXX XXXX and payments of {$440.00} XXXX. Starting at the end of XXXX, I have called regularly, and spoken to call center reps multiple times. The first several calls I was told that something seemed off and a ticket was being put in to resolve the issue. I never received any follow-up and nothing changed on my account. A week ago I spoke to a supervisor who again confirmed something was wrong and that my payment amount should match my loan disclosure and that the issue would be resolved in 48 hours. It was not. This week I have tried again and gotten completely inaccurate information with reps insisting I have a parent plus loan ( I do not ) and that my payments should be deferred the whole time my son is in school ( they should not ). The call center reps are rude and do not have correct information about the loans. I sit on hold for huge amounts of time to no avail. I am unsure where to turn at this point. I will have to pay the {$430.00} due XX/XX/24 or will be considered delinquent on my loan. My loan disclosure is my legal document I signed and it is not being honored, even though Firstmark confirms they have a copy of it and can see the discrepancy. I have attached documents for review.
Consumer complaint received 2024-08-25
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. (TX)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Loqbox US Inc (VA)

Recently, I looked at a copy of my credit report and noticed 2 inaccuracies on my account. This account is hurting my ability to obtain credit. 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 : [ LOQBOX FINANCE LLC ] [ # XXXX ] [ XXXX XXXX BANK XXXX ] [ # XXXX ] XXXX : [ LOQBOX FINANCE LLC ] [ # XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

I received a private loan before XXXX that was transferred to Navient and now is being transferred to XXXX. The original amount of the loan was XXXX XXXXXXXX and my interest accrued is twice the amount I originally owed. All Loans ( Navient ) XXXX XXXX XXXX XXXX XXXX. I initially paid the loan payments after a year I believe but went back for my XXXX XXXX XXXX It was in deferment for a while because my degree took a long time. By the time my loan was ready for payment the amount had doubled. I challenged the amount but I did not understand the response and thought it usurious. I began paying it back at the previous company before I graduated in XXXX because I was told that I could not receive any further deferments. Now it is being transferred again and I believe I need a full audit or whatever need relief in this loan because I am now XXXX and the interest charges and payments will be challenging as I need to retire. I also believed that the original company overcharged me, but I did not possess the financial acumen to counter the dispute. The previous loan information is not on the site and my institution just reinstated offering the degree I received. Please help, I need relief. The amount that I am paying also keeps increasing. The original loan information is not available and this loan is more than 10 years old. I can not even remember who it was with. Thank you!
Consumer complaint received 2024-09-02
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Skrill USA, Inc. (GA)

SkrillXXXX has locked my account for the second time. They have blocked all deposits and withdraws, and last time it took over a month to get it fixed. This time it has already been 5 days with no updates, and their support is next to useless. The problem is worse this time as they have reversed payments made to another bank, and the money that was reversed is not in my Skrill account. Skrill is trying to blame me, and saying that there is no refunds pending on my account. As of right now {$1200.00} is missing from my skrill and I have an additional {$1700.00} locked in Skrill that I can't get out.
Consumer complaint received 2024-09-02
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. (IL)

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian, upholds the law. This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of identity theft, such as an FTC Identity Theft Report, must block the reporting of information that the consumer identifies as resulting from identity theft within four business days. Experian has refused to promptly remove this fraudulent account. I spoke with a representative from Experian who informed me that this account would be blocked and removed. While other credit bureaus have promptly removed this fraudulent account without issue ( see attached proof ), Experian continues to report this inaccurate and damaging information. As an XXXXXXXX XXXX of the military, it is critical that this fraudulent account, which is a result of identity theft, be removed and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report. This fraudulent account could raise concerns about my financial stability, potentially jeopardizing my clearance and performance.
Consumer complaint received 2024-09-02
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. (MO)

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-09-05
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. (AZ)

I recently reviewed my credit report and noticed an account that was not reporting accurately. 
DEPTEDNELNET- XXXX DEPTEDXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXXXXXX ( please see attachments ) This account attached XXXX the identity case I was involved with and instructed by the FTC to file a report- FCRA and this account is still not removed. This account was removed by both XXXX and XXXX, however Experian is still reporting this inaccuracy to my credit profile. 
Please see attachments that I sent in last month with the FTC report and Police Report. I expect this account to be updated and removed from Experian within XXXX hours. 
Thank you
Consumer complaint received 2024-09-02
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. (IL)

I submitted FTC reports Credit bureaus failed to submit proof of account ownership. 
XX/XX/year> I filed a complaint. I was never sent any information on these 3 accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-07-27
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. (NC)

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-02
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. (NJ)

I looked at my Experian credit report on XX/XX/year> 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 2024-09-02
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. (NY)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-09-04
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. (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 2024-09-02
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)

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-04
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. (PA)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Dear CFPB, I am writing to bring to your attention a serious matter concerning aggravated identity theft, a federal offense under 18 U.S.C. 1028A. This statute, enacted in 2004, mandates a minimum sentence of two years in federal prison for those found guilty of such offenses. The sentence for aggravated identity theft must be served consecutively to any other penalties for the underlying charges, and probation is not permitted. 

Aggravated identity theft involves the unauthorized use of another person 's identifying information in connection with a felony or terrorism offense. Examples include, but are not limited to : Stealing a person 's social security number or credit card information Opening accounts in the victim 's name Using the victim 's information to obtain goods or services Billing a client electronically for more hours than were actually worked Charging a customer for a more expensive product than ordered using electronic payment methods To establish aggravated identity theft, the following elements must be present : The defendant knowingly transferred, possessed, or used, without lawful authority, a means of identification of another person. This could include someone else 's driver 's license, passport, social security number, or other personal identifiers. 
In light of this, I am requesting a SSA-89 form from the following creditors and inquiries : Creditors : XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX {$2800.00} Inquiries : XXXX XXXX XXXX XXXX 2024 ) XXXX XXXX ( XX/XX/XXXX2024 ) XXXX XXXX ( XXXX XXXX, 2024 ) I respectfully ask that these institutions remove any information related to these accounts and inquiries from my consumer report if they are unable to provide the SSA-89 form with my wet signature XXXX 

I appreciate your attention to this matter and look forward to your assistance in resolving these issues promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-02
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. (MD)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-09-02
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account # XXXX XXXX XXXX XXXX XXXX