davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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)

I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the 4th Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being. 

Firstly, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights. 

Furthermore, I suspect a violation of my 4th Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the 4th Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information. 

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

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 2024-05-28
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. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-05-28
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. (CT)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-05-28
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. (PA)

Theyre are several mishaps on my credit report that I did not give written consent to furnish my information or to obtain my information and according to the law 15 U.S.C 1681 there should not be any damages on my report its a defamation of my character.
Consumer complaint received 2023-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I requested that my account be reviewed as the total number of eligible payments were not accurately totaled when my loan forgiveness was issued. I am due a refund which I have requested several times and have not received. 

I called PHEAA ( Pennsylvania Higher Education Assistance Agency ) a few months ago to place this request over the phone and I have not heard back. I never cashed the {$25.00} check that was issued to me and I do no plan to as there has been a lot of harm that has resulted from not having been issued loan forgiveness in a timely manner as well as not having received the refund which is due to me in a timely manner. I have called the phone number on the letters sent to me from PHEAA many times and there is no answer. It rings once and then the line is disconnected. The phone number supplied : XXXX is not a working number.
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

XXXX we received notice from court for DiTech structuring. Notice says we make our loan payments to the same place as before on the same schedule. No issues in XXXX. XX/XX/2019 auto payment of {$1800.00}, see bank confirmation of payment. XX/XX/2019 statement says behind in payments and asks for 2 payments {$3600.00}, Also changed PO box for payment delivery. Called DiTech XXXX. Many long messages about restructuring. Dial 0 for a person and no one answers. Message says " Call back during normal business hours '' no matter when you call. Many calls and we push buttons to request more information and a person answers that is part of the restructuring of DITech, but can not help. Just plays a message which says DiTech is in business and make your payments as you always have. Where did our money go?
Consumer complaint received 2024-05-28
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. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-28
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-28
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. (CT)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-28
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 formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-05-28
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. (CA)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-05-28
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. (GA)

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 2024-05-28
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-28
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)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc. for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX - XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Consumer complaint received 2024-05-28
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 2023-08-16
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (IL)

I have attached screen photos of navient and employees insurance the fraud form navient asked me to complete undet a t I tal and permanent XXXX looks like a form for life and XXXX insurance there other Financial services that navient offered other than student loan that is published on navient website personal medical information has been released to navient at XXXX provider XXXX XXXX XXXX  and them also medical professionals involved in fraudulent and misconduct. One of navient employees could have taken life and XXXX insurance using my personal information
Consumer complaint received 2024-05-28
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-03-31
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (VA)

I took out a vehicle title loan XX/XX/XXXX with Lendmark Financial after deciding to leave XXXX XXXX XXXX due to interest rates and issues I later discovered I would run into the same issue with Lendmark Financial. My loan balance was {$17000.00} monthly payment of {$640.00} ( XXXX XXXX XXXX title used ), so far, I have paid {$14000.00} since first payment with no late payments ever. My balance owed is currently {$14000.00}, totaling amount paid back to the company {$28000.00}. I am requesting termination of this loan due to extremely high interest rate. I am a XXXX XXXX with a fixed income and unable to work. I trusted Lendmark to do the right thing and even asked for more clarification on the loan while I was being serviced on that day. The extra interest fees associated with the account and other pay increases has left me in a financial hardship where my vehicle does not work properly, I am unable to seek a new vehicle due to the high interest rate loan and balance ( XXXX XXXX  or higher ) that is listed on my account. I am for my loan to be terminated due to high interest rates. If unable to resolve or come to an agreement with this issue, I will seek legal counsel for escalation through veteran services.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (IL)

My mortgage was recently acquired by Roundpoint. I also pay my mortgage early, the XXXX payment I made to Roundpoint, it was the first payment sent to them using the payment slip they provided, was not applied to my XX/XX/2024 payment. I have no idea what they applied it to. It is like a payment was not sent from the prior mortgage company to Roundpoint. I tried to look on line, their website offers NOTHING on past payments. I tried to call them, all I get is a recorded message about tax forms, over and over. No option to speak to a person. I feel as if they lost a payment or misapplied it somewhere and they are providing no way for me to contact them and get this resolved. The number I found online, different from the number on my statement, goes to another company that purchased Roundpoint and that company has an overseas call center support and they just send me back to Roundpoint. This whole situation is horrible. My mortgage has been sold to Roundpoint, and now Roundpoint has been acquired by another company and I'm missing a payment to my loan and have no way to contact anyone to fix this.
Consumer complaint received 2024-04-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

Borrower defense was to be settled XXXX settlement was to remove all federal loan balance from all three credit bureaus, i have no balance and refund me all payments totalling XXXX they havent complied with the lawsuit .. my credit still shows balance {$120000.00} and no refund received
Consumer complaint received 2024-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (TX)

On XX/XX/XXXX, I received a debt collection agency letter requesting an alleged debt to be paid for or the debt would forward to the credit reporting bureaus on their behalf. I have stated through certified mail, which is the only communication route I have pertaining this alleged debt, that this debt does not belong to me and requested a debt validation which they have not yet provided a wet signature nor a correct breakdown for this alleged debt that I requested in my debt validation certified letter. I have contacted an Attorneys office and learned the statute of limitations in Texas regarding this account have expired. The last activity on this account is XX/XX/XXXX, which was the time it was posted to my credit. I have never made any payments to this alleged debt nor have I ever said that this alleged debt belonged to me. After the collection agency did not provide any verification to my requests per debt validation, I then sent a certified letter in regards to a cease and desist letter to the collection agency company and Lockhart, Morris and Montgomery has now violated the Fair Credit Reporting Act law. All debt collectors can NOT continue its collection efforts against you until the debt has been verified. Due to the collection being in the Texas Statute of Limitations expiration date and the violation of a cease and desist letter, I am now requesting an immediate deletion of this account on all credit bureaus and to cease all collection activity pertaining this debt. I kindly request that this debt to not be sold as well since it does not pertain to my credit file or I. I look forward to getting this resolved as soon as possible. 

Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

Unauthorized Credit Card Transactions and Dispute with Goldman Sachs, XXXX, and, XXXX XXXX XXXX. 

On XX/XX/XXXX, my credit card was charged twice without authorization : XXXX ( {$110.00} ) and XXXX ( {$190.00} ). These charges were made by an XXXX XXXX XXXX company, XXXX XXXX XXXX for car recovery fees, despite the fact that the car was returned to a designated parking spot per their mobile applications instructions. 

As of XX/XX/XXXX, I have been disputing these charges with Goldman Sachs Bank USA for XXXX months. Unfortunately, I have not been provided with a clear method for arbitration. Instead, I can only re-dispute the charges every XXXX months. 

Complicating matters, the transactions were processed through a fourth party, XXXX. Neither Goldman Sachs ( the credit card company ) nor XXXX has taken responsibility for finalizing this matter. 

Below are some of the Dispute reference numbers that I have been provided by Goldman Sachs for the same recurring dispute. 

Dispute IDs/ Reference Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

On my credit report I have a debt listed for over {$7700.00} from LVNV funding. I sent the first letter on XX/XX/23 asking for validation of the debt. I was sent back a blank contract and an XXXX spreadsheet with my name and numbers next to it. I again sent another letter on XX/XX/23 ( both letters were sent certified mail ) asking that the debt be validated, and if it was not validated for the information to be removed from my credit report. Again, I was sent the same blank contract with my name with numbers next to it in what looks like an XXXX spreadsheet.