davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
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. (CA)

On XX/XX/3022 and again on XX/XX/2023. I disputed collection accounts showing as open on my credit reports. These agencies did not have my written consent nor any sort of contract signed by me thus making them invalid. 
The credit agencies did not solve my disputes, instead they said results came back as verified and valid. 
How can that be when there is not an original contract with these collection agencies. This inaccurate information is hurting my credit, I would like to report the credit agencies for violating my rights as a consumer and protecting these agencies by allowing them to post inaccurate nonexistent accounts on my name. 
Thank you.
Consumer complaint received 2024-08-05
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. (SC)

Ok Im trying to purchase a new vehicle so I can have reliable transportation to carry my kids to and from school, therefore I AM NOT TOUCHING MY CREDIT AT THIS TIME!! I have 3 HARD inquiries. 2 from a XXXX XXXX XXXX on XX/XX/year>. 

Then come on XX/XX/XXXX, its and inquiry from XXXX XXXX. 

Its on all 3, of my credit reports can you please help get this resolved because I did not grant anyone permission to run my credit!!! 

Thank you XXXX XXXX
Consumer complaint received 2024-05-06
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (TX)

Dear Sir/Madam, I am writing to dispute a collection that has been reported on my account. I have no knowledge of this collection and have never seen it before. I believe it to be fraudulent and false, and I would like it to be removed from my credit report. 

I kindly request your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Consumer complaint received 2024-05-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: American Financial Network Inc. (WA)

The mortgage company place me in a foreclosure states due to no payment. I called to see what was going on in XX/XX/XXXX and I learned they had place my payments that they automatically withdraw each month into a different account. We called thought we fixed it and yet XX/XX/XXXX we are dealing with the same issue. We dont hear anything until we are told we are in foreclosure and we pay every month the full amount. This is stressful. Im now contacting a layer because every time we talk to someone with this mortgage company its something different or that its fixed or they cant do what they are doing. Oh they told me in XX/XX/XXXX that they over charged me due to my military statice for my interest and that I was owed XXXX XXXX They said they would send us a check never gotten that. We have called to ask about it and were told they will send it. Sit till no check.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

I hope this letter finds you well. I am writing to bring to your attention a concerning issue regarding a medical debt that has been reported to the credit bureau by the collection company, Lockhart Morris and Montgomery. Upon further research, I have discovered that this debt, amounting to {$670.00}, is in violation of the Florida statute of limitations for medical debt. 

According to Florida law, the statute of limitations for medical debt is XXXX years, and there is no separate category for the collection of medical debts. A hospital or other medical provider has a maximum of XXXX years to file a lawsuit for unpaid medical bills, starting from the date of the unpaid invoice or bill. However, upon conducting thorough research, I found that the date of this debt can be traced back to the year 2018, which clearly exceeds the statutory limit set by the state of Florida. 

I believe it is crucial to bring this violation to your attention, as it not only affects my credit report but also raises concerns about the collection practices employed by Lockhart Morris and Montgomery. It is disconcerting to see a debt being reported and pursued beyond the legal time frame allowed by the state. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes the necessary steps to rectify this violation. I request that the XXXX ensures the immediate removal of this debt from my credit report, as it is in violation of the Florida statute of limitations for medical debt. 

I have attached all relevant documentation, including the letter from Lockhart Morris and Montgomery, as well as the research conducted on the Florida statute of limitations for medical debt. I believe these documents will provide the necessary evidence to support my claim and expedite the resolution process. 

I appreciate your attention to this matter and kindly ask for a prompt resolution. Should you require any additional information or have any questions, please do not hesitate to contact me directly at the provided contact details. 

Thank you for your time and assistance. I look forward to a positive outcome. 

Sincerely,
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

XXXXXXXX XXXX  XXXX XXXXXXXX XXXX , started reporting negatively to my account when I noticed they were already reporting for a few months missed payments. I was a victim of identity theft and did not grant permission to 1 report to my consumer report or grant permission to use my ssn and first and last name. I have contacted them on a calculus of occasions and have sent in a litany of correspondence to no avail. I have a consumers report an ftc report as well as affidavit to affirm my truths. Even as well as reached out to cars as they have verified the account even tho my address is incorrect and I have provided affidavit sent to company with tracking numbers in which they had 30 days to respond or removed the negative reports but still have not. I have also pulled a report from the Secretary of State in regards to any debt owed to anyone by myself registered with the state or liens. Which further confirms I have no obligations to pay anyone
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LendingPoint Holdings LLC (LA)

LendingPoint reported to the CRAs PAID. XXXX NEVER LATE. Report included. 
XXXX XXXX XXXX is committing FRAUD. I responded requesting the prove the debt with a valid contract with a wet signature. The delivery was made XX/XX/2024 tracking number XXXX. I disclosed the XXXX and XXXX certificates and fines. XXXX XXXX XXXX ignored this communication and is now liable for damages. XXXX XXXX XXXX is attempting to collect on PAID debt reflected on the CRA under LendingPoint LLC for {$16000.00}. Mail fraud will be reported attempting to extract energy from a consumer via the United States Postal Service is a crime. XXXX XXXX XXXX is now responsible for taking adverse action against a consumer it has no rights to. XXXX must Validate pay the fines listed in the communication it received XX/XX/2024. FTC please do something as your site forwards these complaints to CFPB.
Consumer complaint received 2024-07-04
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. (MO)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-03
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. (TX)

look i cant find the house anywhere such the apprasial district i bought and paid cash for no mortgage but i can't get my irs taxes done because of my sister she wont tell me anything and the courts keep sending me what i already have. everything such as on the internet say that my property title someone might have a part of it .also there's is a women that works and leave somewhere by me with at leased the frist and last name are the same as mine i don't no about the middle name but my bank the irs are saying or asking do i need to change my name like i got a divorce and no i haven't because i've not been married in over XXXX  years where there's a marriage certificate also credit krama said that my address wasn't the one associated with my line of credit or name. this house isn't part of a trust i dont no which is because my sister took the will to probate and i cant get any information its like my sister is even trying to act like i either don't exist or is part of all this problem ive got alot of complaint on alot of companies because either they thougth i was XXXX or they listen to someone else is the way it seem but i raelly beleave that this other person is trying to take out a line of credit or a mortgage on my home that is paid off.
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Management (TN)

I was a victim of ID theft years ago due to a robbery. I've had my identity used since that time opening accounts, loans credit cards and everything else in my name without my knowledge. I need the CFPB help me to get these removed.
Consumer complaint received 2024-08-05
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see all activity which is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of my credit report and inaccurate information on my account. This information is not mines and need to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed.

Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this ma
tter I can be reached at phone number above.

Thanks in Advance
Consumer complaint received 2024-07-18
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. (OH)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******
Consumer complaint received 2024-04-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (CT)

In a nutshell, In 2013, I consolidated my XXXX boys ' student loans, including parent plus loans, into an income replacement plan under my name. XXXX XXXX loans were not supposed to be combined with the consolidation but I wasn't allowed 3 days to rescind and reapply. I was told I wasn't allowed to make any changes. I have been fighting this for years. Now I'm stuck because I can't get into the SAVE program, which would give me a 0 monthly payment. I have asked that due to all the misinformation, if my loan could be cancelled or dismissed. When I contact the government about the loans, I'm told to contact the lender. ( At the time, the US government was handling the loan applications ). When I contact the lender, I'm told to contact the government. It is a vicious cycle. I have saved many emails, names from phone conversations and paperwork regarding this ongoing unfairness. My email is currently XXXX. Please feel free to email me for further information. Thanks in advance for your help and support. 

XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! CREDIT ACCEPTANCE CORPORATION VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

I am filing this complaint regarding XXXX from Discover 's executive office, phone number ( XXXX ) XXXX. According to previous CFPB Report. Despite submitting multiple documentation, including two police reports and screenshots of breached accounts charged to my Discover account, my fraud claim remains uninvestigated. I have previously spoken with XXXX two years ago from another CFPB report, and now I feel racially discriminated against. From previously putting my ethnicity in a CFPB report two years ago..

The claim has been denied repeatedly, with the reason being that payments were made on my account. This reasoning is illogical because not making payments would have led to my Discover credit card account 's closure. Even after submitting new documentation, the denial reasons haven't changed. Discover originally mishandled my fraud claim by filing it as a billing dispute multiple times, causing fraudulent charges to accumulate. 

Due to the continuous denial and being recharged for fraudulent charges already paid for, I stopped making payments, leading to my Discover account 's closure. I am a victim who paid thousands of dollars, but Discover refuses to follow federal guidelines. Additionally, Discover keeps reporting a negative balance to the credit bureaus, significantly dropping my credit score. Discover advised me to request in writing to stop reporting, as is my consumer right, but they have not complied.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TN)

I have called and mailed multiple letters requesting all documentation related to the opening of this fraudulent account. Chase did mail me a statements, dated XX/XX/year>, but nothing more. I did report the fraud to Chase and filed an Identity Theft Report with the Federal Trade Commission, as they requested, and have not received any response from Chase as of today. I have did everything I was told to do and Chase Bank is continuing to ignore me.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-07-12
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.