davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I attended XXXX in XX/XX/2009 I believe and was told if the money is used for school I will not have to repay. I only received one check for {$1100.00} the rest the school kept. I only applied for grants as well & I did n't think those had to be paid back. As far as XXXX College online, I was told the cost of my schooling would be {$9000.00}, I never once received a check from them, I applied for student grants and was approved, so I am not sure why my student loans are so high. Please help me understand. This has gone on entirely too long. They are taking advantage of less fortunate individuals and it is not right. I just want to be able to provide for my family as everyone else does. Being on welfare is not an option and I do n't want my family to think that is the only way to survive either. Justice needs to be present for all individuals no matter the race.
Consumer complaint received 2024-05-15
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. (GA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA now for XXXX years and XXXX months has been on my credit that was already closed and all funds were paid off when I paid them in full of {$12000.00} for a personal loan in collections when it was not supposed to be and they destroyed my credit back in XXXX while I was fully XXXX and permanently total since XXXX. This is a felony what they did to me in all XXXX states. I have done everything in my power as a fully XXXX man who is XXXX not stupid and saving his XXXX XXXX XXXX daughter making her future worse as well. I have been fighting this now for XXXX  years and XXXX months. I have XXXX debt and no other loans except my mortgage which I am in the process of refinance with a better and more suitable company XXXXXXXX XXXX who actually help veterans and their families and are trying to put me into a better mortgage. As for USAA they have done enough damage to my credit when they are supposed to have closed my account which still is open and they are still sending me checks from XXXX years ago when my account was closed with them since XXXX. I do not understand why I am still being stalked and my credit is being held under XXXX because of USAA. I did a background and through the back door they are marking my credit as late while I am closed and they are not to be reporting me late while in collections for payment I don't even owe. They are in the wrong you should check their taxes and see if they are in line before they hurt anymore customers and veterans who fought for this country so USAA can still be in business. I don't see USAA helping veterans, all I see is them hurting their financials while they gain more and more money. They are getting away with taking money from veterans who can't fight back due to their income. I am now with a law firm worth {$300.00} XXXX dollars and we can take this to the federal courts or we can mediate this before they go any further destroying my credit now for XXXX years and XXXX months with no debt and I am unable to go to better mortgage companies or get a credit card when I make {$6000.00} a month and have no debt. I am confused here. Is it because I am an American XXXX? I apologize for saving lives for our country. I apologize.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

Be clear on this request I'm not asking but informing the credit reporting agencies XXXX, EXPERIAN and XXXX that they are not abiding by laws in place for improperly and inaccurately reporting information to my crefit profile.On XX/XX/XXXX I disputed the validity of a late payment with XXXX XXXXThe Saud parties above have responded that it was validated by XXXX so at this point I would like to know the ID # ' of persons that contacted creditor and who they spoke with along with contract I originally signed, payment Ledger and what my form of payment was and dates. Also date they spoke with representative from XXXX if this can't be provided within 15 days I will be requesting this matter to be handled legally ( ADR ) this matter had caused a lot of headache and works against my crefit worthiness.
Consumer complaint received 2024-05-15
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. (AL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX  Balance Owed : {$340.00} XXXX XXXX XXXX  Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-04-25
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. (CA)

XXXX  XXXX  provide me a letter for Experian, XXXX and XXXX to update my credit scores and credit reporting agencies hasn't updated my credit scores and balance. 
As my utilization ratio is under 30 % in which my credit scores will be increase once credit reporting agencies update my credit and scores. 

I am going through a VA Loan process and I need my credit scores updated immediately so I can get a lower interest rate. 
Why is Experian, XXXX and XXXX not updating my credit report and scores.? 
Also for XXXX XXXX XXXX # XXXX late payments is incorrect as evidence of my XXXX  checking account ending # XXXX evidence states that XXXX, XX/XX/2019 auto loan was called in by phone on each month of the XXXX to XXXX   XXXX XXXX and they took the payments on time. 
Also, XXXX XXXX XXXX loan account # XXXX is on Experian and not on XXXX  and XXXX.It needs to be added to XXXX and XXXX   immediately. 

I am XXXX, Retired and a XXXX XXXX Honorable Military Veteran. 
Please support me on my XXXX XXXX Civil Rights under Department of Justice. 
Very Urgent Matters! 
Does Experian, XXXX and XXXX have a business partnership with XXXX?
Consumer complaint received 2024-06-17
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)

This account was charged off on the following date [ XXXX OF FIRST CHARGE-OFF Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : [ XXXX XXXX XXXX ) [ XXXX ] XXXX : [ XXXX XXXX XXXX ] [ XXXX ) XXXX : ( XXXX XXXX XXXX ] ( XXXX )
Consumer complaint received 2024-05-15
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. (TN)

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 Account name : XXXX XXXX/Account numberXXXX Account name : XXXX XXXXAccount XXXX Account name : XXXX XXXX/Account XXXX Account name : XXXX XXXX/Account numberXXXX Account name : XXXX XXXX XXXX/Account XXXX Account name : XXXX XXXX/Account XXXX Account name : XXXX/Account XXXX Account name : XXXX/Account XXXX Account name : XXXX XXXX/Account XXXX Account name : XXXX XXXX/Account 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 II : It also states a consumer reporting agency can not furnish a Account without my written consent.

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 move 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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-17
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-15
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-15
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. (PR)

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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-15
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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.
Consumer complaint received 2024-06-04
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. (NY)

PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Requesting the method of Verification : As you know, I sent you a letter last month regarding the issues with the accuracy of my consumer report. I am requesting the method of verification you used to prove that these transactions on my investigative consumer report are indeed mine and who you interviewed and spoke to about them. Notice, it is a fact, that I am aware, in accordance with 15 U.S. Code 1681i ( 7 ) I, the consumer has the right to know the description of the method used to verify the information furnished on my consumer report within 15 days of the request. I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with the accounts listed below must be removed. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the Contractor is required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. I have yet to receive any proof from the person that is reporting on my consumer report. Failure of doing this can be a cause of identity theft because anyone could be using my social security number and selling my information without my consent. I hope that you realize the damage and stress that you are causing me by not complying. I am fully aware that negligence and noncompliance are a violation of 15 usc 1681n Civil liability for willful noncompliance. Each violation under this section could be up to {$1000.00} and I have no problem exercising my rights as a Federally protected consumer under title 15 Chapter 41 and pursuing litigation. I am well aware of 15 usc 1681s ( Section 623 ) that Data furnishers are indeed required to notify the consumer of any negative reporting that will be furnished but I can assure you that has not happened at all. These Data furnishers need to prove to me that they have followed procedures of federal law and need to delete these accounts from my consumer report. The following accounts need to be reinvestigated once again as I do not believe you conducted a real investigation. Anything inaccurate, incomplete, and unverifiable must be removed.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Equifax continues to report fraudulently opened accounts on my consumer credit report. In addition Equifax has a fraudulent Date of Birth which was confirmed by their rep on the phone on my credit file. Equifax advised me they do not have to block this information as this time because they stated they don't have to. Which the law states If I provide proof I am a victim of Identity theft, and clearly advise of the crime I can request as a legal right to have the fraudulent accounts blocked in which Equifax refuses to do so. These accounts include XXXX XXXX XXXX XXXX XXXX for {$1800.00}, a XXXX XXXX XXXX XXXX loan for {$15000.00} Which again you need millitary membership for and I have never been affiliated with the military clearly not my account. This was opened with my stolen identity. There is a XXXX XXXX XXXX XXXX account that is fraudulent with a {$650.00} Balance. There are two XXXX XXXX XXXX cards which show a limit of {$25000.00} each again fraudulent, not only that XXXX XXXX told me that is not the limit on those fraudulent cards so not only is equifax reporting the information fraudulent they have inaccurate fraudulent information at that. So these accounts are opened with my stolen identity. Additionally, there is a XXXX Card which states closed by credit grantor with a limit of {$1100.00} which is not my card and was not authorized to be opened in my name. There is a account with XXXX XXXX XXXX XXXX which is fraudulent and was not authorized to be opened in my name again with my stolen Identity. Equifax refuses to block these fraudulent accounts and refuses to follow FCRA law 603 ( b ) they do not provide reasons for refusing to block these accounts besides advising me they can.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.