davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

After reviewing my XXXX, Experian and XXXX credit reports again, I have identified inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (IN)

On the afternoon of XX/XX/2023 I recieved a call from a person impersonating Regions Bank saying that my credit card had been hacked and we need to shut the card down. When speaking to this person they had all of my banking information and personal information, and they asked me to verify so we could deactivate the card, so I did. Once this person was able to access my account, they made XXXX XXXX payments out of my account for {$17000.00}, {$39000.00}, and {$42000.00}. I learned about this on the morning of XX/XX/XXXX simply because when i arrived at work my employee notified me that my phone number had been hacked. I found out that when i was speaking with the person impersonating the bank that they had somehow activated my call forwarding and all of my phone calls were going to that person. As soon as I realized the last person who had called me was from the bank, I checked my account and noticed these transactions and immediately called the bank to get them stopped. I spoke with the fraud department at the bank, and they assured me that they would have this resolved in a matter of a few days and that no other action was needed on my part including no need for a police report. After checking on my account multiple times a day for the next few days and not seeing my funds returned i went to the branch and spoke with them in person on XX/XX/XXXX. When I was at the branch the lady pulled up on her computer that my funds were not there, and the reversal of the transactions just came in that morning and that they had not showed up as of Saturday XX/XX/XXXX, she was not sure why they hadn't showed the reversal before that time but she just brushed it off and said that we should be in good shape now since it was showing there. After meeting with the bank in person a couple weeks had gone by and then i was called by the branch manager and i was told that I needed to get a police report filed because they are now classifying it as an identity theft case. I was angry with him because i had asked on the first day of learning about the incident and i was assured that I did not need to file once because they handle these things in house and i would be taken care of. I immediately went to the sheriff 's department and filed a report on June 26,2023. Since then, we have filed a subpoena for all of the information from Regions Bank and they were to reply within 15 days, on day XXXX they asked for a XXXX extension and the prosecutor granted that. that extension. That extrension came and went and it was a little over 2 months before they provided the information and once we had it the information requested was not in the subpoena.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (MD)

Mortgage payments through ACH withdrawals Navy Federal Credit Union ( NFCU ) XXXX and, are being delayed impacting payment posting date, bank is holding payment to loan Servicer XXXX XXXX XXXX Payments made are not debited from bank nor paid to loan after XXXX  days causing mortgage payment late, due to bank failure to pay ACH
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-09
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Payment issues
Company: Maximus Federal Services, Inc. (MD)

I applied for the XXXX XXXX program on the XXXX  website.. Aidvantage did not bother to send results of the XXXX document but still sends or about to send me a bill of over $ XXXX. in this month of XXXX XXXX on a {$93000.00} student loan. The loan was only {$34000.00} while I was in school at XXXX XXXX XXXX  about XXXX  years ago. I believe the Student loan total amount is incorrect or bogus. Especially after it has been moved from different student loan companies ( XXXX to Aidvantage ) from the Dept. of Education. There is no way i should be paying for that amount of interest. i am filing a complaint because there need to be an investigation on this. 

Thank you XXXX XXXX
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL (TX)

A citation from the state of Texas was sent to my fathers address while I was living in Tennessee on XX/XX/XXXX. 

I responded to the citation on XX/XX/XXXX with affidavit to both lawyer of XXXX XXXX XXXX and the court, asking for a full validation of date. 

They responded with bill of sale of a pool of charged off accounts, statements, and credit card agreement pricing information. 

They did not provide the full validation of debt to prove i am in fact the debtor, including the original contract with a wet signature of the debtor.
Consumer complaint received 2024-05-10
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (TX)

I have recently been a victim of identity theft there's an acount from XXXX that's not mine I called the company letting them know acount is not mine I gave them my info and they say it doesn't exist. but it shows I have an acount from them on my credit 3 major credit agencies. 
I also have a collection from Transworld systems says it's XXXX the residence at XXXX I've lived in XXXX XXXX TX since XXXX these are not my accounts help please investigate Thank you. XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXX and again on XX/XX/XXXX I sent a certified letter to LVNV FUNDING LLC. In response to a notice I received from them stating that I owe XXXX and XXXX. I wrote them asking that they send me in writing a validation of debt letter containing the following : 1 : money they say I owe.

2 : How was that amount determined 3 : Provide copies of all signed agreements from me and creditor bearing my personal signature stating that I agreed to pay such amounts.

4 : Provide me with proof that the statute of limitations has not expired.

5 : show proof that they are licensed to collect in my state with their license number 6. A valid, legible copy of the agreement stating the debt and interest charges.

They failed to comply with my request by sending me a verification of debt letter and also a letter to falsely claim that I was a victim of identity theft. They not only failed to comply with my requests but also violated my rights under the FDCPA and FCRA ( reference code ) ( 15 USC 1692g Sec. 809 ( b ) ).
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN HONDA FINANCE CORP (NM)

Honda financial services agreed to honor offer extended for type XXXX XXXX but since Im unable to communicate with loan originators when I go to dealer they keep denying me and multiple hardpulls of credit without one extension is a written accepted offer not a binding agreement anymore. Or do dealers not have to make terms actually available that they advertise or offer and permitted by the CPFB to bait and switch consumers and not follow any lending guidelines or regulations and scamming consumers by offering online buying on website but service does not exist they just make a purchase order and sell the car to you without you and never acknowledge sale even if your able to comprehend what theyre doing. Oh and each dealer claims they dont sell cars online. Not physically but back office they sure do.
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (WI)

MOHELA reported my account as delinquent and shows a late payment. My account has NEVER been late and is certainly not delinquent. This is ruining us closing on our home purchase. I have spent several hours at a time on multiple occasions trying to reach a live agent to help me. The few times I actually reach someone after a two hour plus hold time, they transfer me and the call drops. I have tried emailing and messaging with no response. MOHELA is literally ruining my life.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have never lived at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, and it has come to my attention that Experian is XXXX including this address in my credit report. I would like to bring this matter to your attention and request that appropriate action be taken to rectify this situation promptly. As per the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( C ), credit reporting agencies such as Experian are prohibited from reporting information that the consumer has informed them to be inaccurate. I have not resided at the address mentioned above, and it is imperative that Experian corrects this error immediately. I kindly request the Consumer Financial Protection Bureau 's intervention in ensuring that Experian complies with the FCRA and removes the inaccurate information from my credit report. This correction is essential to maintaining the accuracy and integrity of my credit history. Enclosed with this complaint, please find proof of my correct address, to assist in the resolution of this matter. I appreciate your attention to this issue and look forward to a swift and satisfactory resolution. Thank you for your prompt assistance in rectifying this matter. 

DO NOT RESPOND WITH ANOTHER XXXX WORD LIE!!! YOU PREVIOUSLY RESPONDED AND STATED THAT THE ISSUE WAS RESOLVED/REMOVED AND I HAVE PROOF THAT YOU DIDN'T!!! MY CURRENT CREDIT REPORT STILL HAS THE WRONG ADDRESS ON IT!!!
Consumer complaint received 2024-05-10
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. (MA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Since XXXX of this XXXX, Ive had medical hardships due to XXXX  and XXXX XXXX at my XXXX XXXX. I requested a forbearance while I been recovering from my temporary medical condition. Ive had no progress dealing with XXXX XXXX XXXX  Loss Mitigation department. Im currently appealing the denial of my forbearance request for the XXXX  time. I am still going to physical therapy XXXX XXXX  a week and have not been released by my XXXX doctor to return to work. During the forbearance request, I have been hounded relentlessly with calls from XXXX XXXX XXXX  wanting me to make my mortgage payments while I have been out of work and recovering from my medical hardships. During this whole process to get a forbearance, being denied, and going through the appeal process XXXX XXXX XXXX has been ruining my credit by reporting late mortgage payments for XXXX months to the credit bureau. My XXXX payments are XXXX
Consumer complaint received 2024-05-10
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)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-08-22
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. (AL)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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.
Consumer complaint received 2024-05-10
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. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies in 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (CA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-05-10
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. (VA)

PLEASE BLOCKED AND REMOVED.

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.