davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tri-State Adjustments, Inc. (FL)

I was contacted by the company regarding an Alleged debt on XX/XX/year>. I contacted Tri-State Adjustments , Inc . 
via mail at : XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX on XX/XX/year>. I requested the following : * 1. The amount of the alleged debt ; * 2. The full name and mailing address of the original creditor for this alleged debt ; * 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; * 4. Documentation showing you are licensed to collect debts in Florida I received a response and it was not what I requested. The only thing they included was the amount of the alleged debt and the original creditors name. 

I have no received the original contract with the company, documentation that theyve verified I am responsible for the debt. Documentation showing theyre licensed to collect debts in Florida XXXX
Consumer complaint received 2024-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (FL)

I HAVE ASKED MY STUDENT LOAN SERVICER AIDVANTAGE FOR DOCUMENTS REGARDING MY LOANS THAT THEY CONTINUE TO TELL ME WILL BE PROVIDED BUT ARE NOT. I HAVE BEEN ASKING FOR THIS INFORMATION SINCE XX/XX/XXXX. IN XX/XX/XXXX I STARTED COMMUNICATING WITH AIDVANTAGE EMPLOYEE - XXXX XXXX. XXXX XXXX SAID THAT A FULL HISTORY OF MY ACCOUNT WOULD BE PROVIDED TO ME INCLUDING ALL STATUSES BUT IT NEVER HAS. MY STUDENT LOANS SHOULD HAVE BEEN FORGIVEN ALREADY BUT AIDVANTAGE IS WITHHOLDING INFORMATION NECESSARY TO SHOW A FULL ACCOUNT OF MY LOANS.
Consumer complaint received 2024-06-21
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. (NC)

I have repeatedly tried to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but it persists. These erroneous entries have seriously affected my life, causing considerable stress and XXXX. I want to emphasize that I never authorized or consented to this information being associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-06-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION (TX)

In XX/XX/XXXX, I received a letter from Navy Federal Credit Union that if they did not receive my title for my XXXX XXXX XXXX, showing them to be the lienholder. They would increase my interest and monthly payments. I was advised that they had my title, I just needed to sign the application. After taking the signed application to the branch in XXXX, Texas, the representative told me they had everything they needed and I was glad to go. After about a month, I contacted Navy Federal and I was advised that I needed to bring my title in. I advised them I never received the title. They stated to me that the title was hand delivered to me personally. I advised them I never received the title, and the date that it was supposed to have been delivered to me, I was not home. The representative pretty much told me that was not his problem. 
So on XX/XX/XXXX, I went and got a new title from the DMV and immediately took the above branch. The representative advised me it would be sent out the next day to XXXX, Pennsylvania. I waited until the following to see if my file was updated, and supervisor told me they received the paperwork, but they have to wait for it to get processed. While during this waiting period I am still being penalized, and paying an extra {$45.00} a month on my car payment. 
On this date XX/XX/XXXX, I contacted the Navy Federal Credit Union and the representative could not locate any of information or paperwork. For approximately 2 months I've been getting the run around and no one from the Credit Union seems to care. 
If you could help me out, it would be greatly appreciated.
Consumer complaint received 2024-06-24
Product: Mortgage — VA 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: MIDFIRST BANK (FL)

Beginning in XXXX of XXXX I went in forbearance with Midland Mortgage. I was offered XXXX options for paying the funds back ; Pay it all back in lump sum, make extra payments monthly on top of my mortgage or to do a partial claim to add the amount owed to the end of the loan. I chose to make the payments at the end of the loan ( Partial Claim ) and signed the documentation On XX/XX/XXXX. From this point I was informed we were waiting for the VA to approve the Partial claim and it could take some time for it to complete. I found out about and applied for XXXX in Florida XX/XX/XXXX and was approved for {$49000.00} on XX/XX/XXXX understanding that if I was awarded the funds I would be able to use those instead of the loan. After speaking with Midland Mortgage I was informed that they had received the funds and would be applying them to my account which would have brought me current to XXXX of XXXX. I am now finding out that there is in fact a partial claim for the amount of XXXX that I was unaware of. The VA made their decision on XX/XX/XXXX about the partial claim unbeknownst to me that it was still going on as I was aware that he XXXX funds would be applied to my account and they were checking with the VA on how to proceed. In XX/XX/XXXX I was sent a letter informing me I was in Foreclosure and needed to make payments and pay the lawyers fees starting immediately. Im selling my home and find out that nearly half the funds from XXXX were sent back to the State on XX/XX/XXXX and they applied {$24000.00} of it to " catch me up '' for " missed payments. ". I had been told I didn't need to make payments while waiting on information from the XXXX During this time I was aware it was either one or the other and I was absolutely preferring to take the XXXX funds and not another loan. This was not explained to me and I was given conflicting & incomplete information from many of the people I talked to at this company regarding my loan/partial claim and HAF funds. I was constantly reaching out to Midland to ensure that I was doing what I was required to do to stay on top of everything. I was Informed recently that the partial claim was applied to XX/XX/XXXX to XX/XX/XXXX and the XXXX funds to XX/XX/XXXX to XX/XX/XXXX so they essentially had me in a holding pattern and held on to the XXXX funds for nearly a year without applying them. If I had known this, I would have contacted the VA at the time to stop the Partial Claim and use the XXXX funds in its place to bring me current and start paying my mortgage. The company misled me about the application of funds and sidled me with a loan I didn't need knowing they had the funds on hand to take care of the situation.
Consumer complaint received 2024-06-21
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX -- -- -INQUIRIES -- XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX :
Consumer complaint received 2024-06-21
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. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-21
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 am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my XXXX attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (WA)

On XX/XX/XXXX I had a scam caller fraudulently call from a phone number that came up as associated with Navy Federal, and fraudulently asked me for my personal information including my Navy Federal account numbers and I believe my Social Security number and other information.They use this information to get into my checking account they made me transfer funds into a cash app and then delete it my funds from my checking and savings account with Navy Federal and also withdrew funds from my XXXX XXXX go rewards card with Navy Federal, I went over with Navy Federal and the funds totaled {$1100.00}. I also made a police report with XXXX Police Department case number XXXX XXXX. I have also Frozen all of my accounts with the 3 credit bureaus because they also tried to take out a Personal Loan with Navy Federal in my name which caused an inquiry on my account.
Consumer complaint received 2024-06-21
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-21
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. (KY)

I am a federally protected consumer and I am aware of my rights laid out by the FCRA in 15 USC 1681. Additionally, Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies within consumer files.

Please re-investigate the below accounts validity within my consumer report that you maintain under my name. Please update these accounts to reflect complete and verified information. There are late payments that are erroneous and not matching up. I was never late for these payments, Please delete this inaccurate account if it can not be made complete and verified. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX These Laws Clearly state : Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the 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 ( 1 ) 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.

Standards established in the credit industry help ensure integrity of data and uniform communication between ALL credit-reporting agencies.

I have attached the erroneous account ( s ) in question. This account needs to be DELETED IMMEDIATELY OR UPDATED TO PAID ON TIME NEVER LATE, AS I WAS NEVER LATE FOR THIS ACCOUNT. Failure to do so may constitute willful non-compliance in this matter.

I have experienced great emotional and financial hardship over these illegitimate late payments as it has inhibited my opportunity to refinance one of my mortgages amongst other things.

Please complete this erroneous, inaccurate information on my credit report to PAID ON TIME NEVER LATE OR DELETE within 30 days of your receipt of this notice of dispute if this information can not be verified through your thoughtful and fair re-investigation. Please send me your results and update my consumer report accordingly. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-21
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX  XXXX - XX/XX/year> :
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-21
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)

" 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 "
Consumer complaint received 2024-06-21
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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-20
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. (MS)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-20
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. (CA)

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX Account # XXXX