davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

My " School Misconduct '' application was Approved by Navient XX/XX/year> for attending the XXXX XXXX XXXX XXXX XXXX from XXXX. 
The School Misconduct application was brought forth XX/XX/year>, by United States Senators : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. These Senators found Sallie Mae/Navient and For-Profit schools conspiring with one another to offer risky and expensive loans to hundreds of thousands of borrowers, knowing these borrowers; such as myself would never be able to repay these loans back. These loans were designed to profit from students with low graduation rates, poor job-placement records, and otherwise misled students, all of which was known to XXXX XXXX Navient XXXX Under the Holder Rule and due to Navient and XXXX XXXX misconduct, Navient is liable for these predatory loans. 
Holder Rule : This rule is designed to protect consumers by ensuring that their rights are preserved even if their contract is transferred to someone else. It does not create new rights or claims for the consumer but ensures that any existing rights or defenses ( such as a claim for breach of contract or warranty issues ) can still be asserted against the new holder of the contract. 
Limitation on Recovery : The rule specifies a limit on how much a consumer can recover. Specifically, the consumer 's recovery for claims and defenses can not exceed the total amount they have paid under the contract. This means that if you have paid {$500.00} under the contract and have a valid claim or defense, you can not recover more than {$500.00} from the creditor or assignee. 
The Holder Rule applies to all consumer credit contracts, including those for the sale of goods and services, but it is particularly relevant in transactions involving installment credit and loans for consumer purchases. 
I have paid XXXX XXXX Navient {$47000.00} from XXXX XX/XX/year>. My APR ranged from 7 % to now 17 %. My Total loan balance before my discharge was {$85000.00}. I was held liable to pay this balance off from Predatory Institutions and its Predatory Lenders that worked together to profit from myself and I believe XXXX XXXX Navient XXXX obtained payments from myself and should be held liable to repay me. I am protected under the " Holder Rule '' enforced by the FTC, that I am to be made Whole, and reimbursed what I paid to XXXX XXXX Navient XXXX the amount of {$47000.00}. Everything I stated is true and my submitted documents substantiates my proof.
Consumer complaint received 2024-07-21
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: Security Credit Services, LLC (FL)

I have sent in numerous disputes regarding this account, with proper documentation and up to date data. Both of these companies refuse to even pay attention to what I am writing to them. Every reply is that they are accurate when I am not disputing the accuracy. My dispute consists of a totally different issue from accuracy.
Consumer complaint received 2024-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (MI)

I paid {$690.00} for this debt Im requesting that the the collection agency LOCKHART MORRIS & Montgomery, update and remove this hospital bill off of my credit report immediately. Debt was paid in full. Collection need to removed off my credit report immediately per the rules and guild lines for paying hospital bills in full.
Consumer complaint received 2024-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

GLA is violating my rights. The company is trying to collect the debt that is not owed. Also publish ed inaccurate information on my credit report. The account was open by identity theft. The company does not have an original signed copy of a contract. 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 : States a consumer reporting agency can not furnish a account without my 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 crime which antedate 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 responsible costs to believe that the information is inaccurate.
Consumer complaint received 2024-07-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates (CT)

CREDITORS BUREAU ASSOCIATES do not meet the requirements to collect in the state of Connecticut. According to XXXX XXXX XXXX XXXX  they do not have a license to collect in the state of Connecticut when you search their company name in the search bar. They aren't providing evidence bearing my signature, nor are they providing a calculation of the amount that they claim I owe. These are illegal collection practices.
Consumer complaint received 2024-06-13
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. (LA)

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 XXXX Account 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.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-10
Product: Mortgage — Other type of 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: WELLS FARGO & COMPANY (NC)

Director XXXX, Wells Fargo Initiated the Foreclosure, Judgement and Sale of my property, by claiming in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX New York in the documents they submitted that they were the owners. W/F never litigated the ownership, but just objected to the filing of my bankruptcy, the bases for dismissal. 
I kept insisting that I never had any banking relationship with W/F and continued to request in every complaint to W/F and CFPB, how could the foreclose and sell property, they did not own, never a response. I finally received multiple letters from W/F, which the state, they were not the Owners, Investors, Originators, Servicers or Acquired a mortgage on my property. So, how could W/F claim to be the owners to the courts, that they were the owners and misrepresent to the courts to allow them to sell my home. W/F was captioned as Plaintiff and referenced as owner in all documents, including the sale. 
My mortgage was owned by XXXX, who I was current until W/F claimed to be the owner. W/F has been in contact with XXXX who copied me in their response and provide a history of my mortgage that XXXX confirmed they were the owner. I saw XXXX 's response, correct there was no error with their mortgage, but Wells Fargo by their own admission Never Owned a Mortgage on My Property, and I have all the documents to verify., I have documents that were provided by XXXX XXXX XXXX XXXX XXXX XXXX F.D.I.C. , Title Search and NYS Licensed Private Investigator who was retained to validate documents that W/F submitted to the courts. 

I am respectfully requesting CFPB to do the job that they are responsible for enforcing and request a XXXX XXXX.
Consumer complaint received 2024-07-22
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: Valley Collection Service, LLC (AZ)

I recently obtained a copy of my credit report and identified several inaccuracies that require immediate attention : Valley Collection Services should be removed from my report as it shows inaccurate information that does not match the other bureaus.
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I do not know anything about this debt. I have not received anything in the mail concerning this debt therefore I have not been able to verify anything about it. It just showed up on my credit reports claiming to have begun on XX/XX/year>. This company has violated my rights as described in the Fair Credit Reporting Act by not allowing me the 30 days allotted to dispute this debt before reporting the debt to the credit reporting agencies.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-06-04
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. (FL)

Here is my revision : I have discovered unauthorized accounts on my credit report that I did not open or approve. This appears to be a case of identity theft, as I have no knowledge of these accounts. I previously raised this issue, but the fraudulent items remain on my report, causing me significant stress and hardship. 

These inaccurate accounts misrepresent my true credit history and financial responsibility. Their continued presence may prevent me from achieving important goals like securing a mortgage to purchase a home for my family. I am respectfully requesting the unauthorized accounts be promptly removed from my credit report. 

If we can not resolve this issue through proper channels, I will have no choice but to pursue legal action to enforce my consumer rights and obtain an appropriate resolution. The negative impact of this identity theft on my credit report is an urgent problem that must be addressed. 

I hope we can work together to quickly correct my credit report and mitigate any further damage from this fraudulent activity. Please let me know what steps you will take to comprehensively remedy this unlawful situation impacting my financial life. Your cooperation is greatly appreciated.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NM)

A car dealership used my information without my permission to run my credit a number of times with different creditors. At no point in time did I give them permission to do so. I gave them permission to run my credit twice, not an upwards of 10 times. I gave them permission to run my credit with XXXX XXXX, the creditor who I am currently using to lease my vehicle. The following inquiries listed are the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiry is from a separate incident where XXXX XXXX ran my credit when I was inquiring about opening a CHECKING account. I was not applying for a credit card or loan. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

I am writing to file this formal complaint against discover ( acct # XXXX ) and anyone responsible for reporting fraudulent information on my behalf illegally, and, for violating the fair credit reporting act. Section 611 ( a ) ( 5 ) ( B ) As per the guidance of the consumer financial protection bureau ( CFPB ) the documents needed, a letter from an advocacy group helping me due to human trafficking according to Trafficking-debt final rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have reached out to XXXX, XXXX and Experian about the personal infomation pertaining to my name and my address. Due to the incorrect info on my report it is causing me to lose out on career opportunities as well as housing myself and my family. My name is XXXX XXXX XXXX, I go by no other name. My address is XXXX XXXX  XXXX XXXX  XXXX. Past address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX there should be no other addresses listed for me. XXXX has a least 10 wrong address listed. Under the 15 U.S.C 1681 section 602A. 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 an account without my written instructions. 

There are collection account on all three that are not mines. Please Update and remove them from my reports.
Consumer complaint received 2024-07-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Herbert P. Sears Co., Inc. (CA)

HP Sears and affiliated company is stating that I have past due medical or ambulance debt from the XXXX of XXXX XXXX. I have never lived in XXXX XXXX or needed XXXX XXXX from them and I am a victim of identify theft. I have health insurance via my Employer and go to XXXX XXXX
Consumer complaint received 2024-07-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (VA)

I called XXXX XXXX trying to understand the amount that Caine & Weiner stated I owed on an Insurance policy I Canceled in XXXX because I Traded the car in. I would no longer need the insurance coverage due to not having the car. This was all in XXXX. XXXX waited until XXXX to add the amount of XXXX to my credit that would have been the rest of the Insurance policy. I called XXXX informing them that i canceled the Policy. Because i sold the car and they need to remove this Charge off of my credit report because it is false. I would not owe on a Policy because i canceled it due to not having the vehicle any longer. The agent i spoke with said yes i see. I explained to her i need this removed ASAP. I should be to cancel my policy because i sold my car and i should not be liable for the rest of the policy because i dont have the car. in which i explained to the agent at the time I cancelled it.
Consumer complaint received 2024-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RUI Credit Services, Inc. (CT)

Subject : Formal Complaint Regarding Violation of Consumer Law by RUI Dear Sir or Madam, I am writing to formally file a complaint against RUI for violations of consumer protection laws, specifically their refusal to verify an alleged debt, in contravention of the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I received a letter from RUI alleging that I owe a debt. The pertinent details of the alleged debt are as follows : Creditor : Eversource Account Number : RE : Account # XXXX / RUI Account # XXXX Upon receipt of this communication, I promptly dispatched a written request for debt verification to RUI on XX/XX/year>, via certified mail. Despite this, on XX/XX/year>, I received merely a bill statement from RUI Credit Services ' representative, XXXX XXXX, who refused to provide the requested verification documents pertaining to the alleged debt. On XX/XX/year>, I sent another certified request for verification to RUI Credit Services, which has also gone unanswered.

Pursuant to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to expunge disputed information that can not be verified within 30 days. This mandate includes the removal of information that is inaccurate or incomplete. 

Under the FDCPA, I am entitled to receive proper verification and validation of the debt within 30 days of my initial request. RUI 's failure to provide such verification and their continued assertion of the debt without the necessary supporting documentation constitutes a clear violation of my consumer rights under the FDCPA.

RUI 's refusal to verify the alleged debt is not only a legal violation but also an unfair and deceptive practice. I respectfully request that the CFPB investigate this matter and take appropriate enforcement action against RUI to ensure compliance with all applicable consumer protection statutes. 

Enclosed, please find copies of all correspondence between myself and RUI, including my requests for debt verification and their inadequate responses.

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (TX)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Hello, XXXX was called at ( XXXX ) XXXX XXXX XXXX  XX/XX/year>, and XXXX investigated and confirmed that there are no lates. 

XXXX further stated that they have NO correspondence from Experian, so Experian is dishonest and have acted in bad faith. She looked at the entire account has no credit bureau investigation. 

Experian has numerous times FAILED to provide documentation of late when I have recording of XXXX and XXXX confirming I have no lates. 

At XXXX XXXX  XX/XX/year>, I escalated the matter with XXXX ( supervisor at XXXX ), who stated they're not showing anything about they're late and there is no documentation of any correspondence from Experian. 

Both Experian and XXXX have both been notified XXXX with a written request, with no cooperation, of the erroneous entry of XXXX reporting a XXXX late on my credit. In addition, XXXX was called XXXX times. 

XXXX XXXX XXXX was contacted XXXX XXXX  XX/XX/year>, and she assured that my account is in perfect standing with no lates. 

XXXX XXXX XXXX was contacted XXXX XXXX  XX/XX/year>, ALSO assured that my account is in perfect standing with no lates. 

I mentioned the concerns how this erroneous entry is adversely impacting my credit and that it's in direct violation of XXXX XXXX. 

Thus, XXXX and Experian have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA so they are required by law to promptly DELETE all information which can not be verified..

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Experian is in violation of Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) Please investigate and enforce the laws, rules, and regulations on both parties, please. 

Kindest Regards, XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one is saying i have a late payment from XX/XX/year> which i dont. I have requested proof that i was late and never received anything. My rights are being broken according to 15 US code 1681 and also FCRA 605B.
Consumer complaint received 2024-07-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (VA)

I honestly have no idea what happened and I just got this letter on XXXX XXXX and I am confused. This debt is from XXXX and when people sent me money it was through Family and Friends and it says Payment protection is not allowed for Family and Friends so why am I being charged because someone disputed the money they sent to me? I have no business account with the amount being owed I have a personal account so this is a scam!!