davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (KY)

Regions bank reached out to me about an account balance that was due. I believe it was under {$10.00}. I paid it over the phone with my rewards points. They actually sent me a check for {$7.00} of overpay. I believe this was paid on XX/XX/year>. 

I dont live in Alabama anymore and this account is never used. So I just didnt know it was overdrafted. I have never missed a payment on anything and this little bit of money is ruining my credit score for me to buy a new house. The account has been paid in full.
Consumer complaint received 2023-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

On XXXX I made a payment for {$1000.00} on my student loan, when I only had {$210.00} due. A week later, it said my account balance was overdue & the payment was reversed the same day. Again, on XXXX, I made a {$1000.00} payment & today, XX/XX/ it says my payment was reversed on the 6th after I checked, the payment had gone through. 

Customer service refuses to call me back, Ive tried waiting on hold for a human. The chat bot doesnt work. 

Ive now accrued interest of {$140.00} and Im now 2 weeks in to being overdue. Im very frustrated because this makes no sense at all.
Consumer complaint received 2024-09-15
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. (MN)

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 


I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 





THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. 

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Consumer complaint received 2017-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Due to Hurricane Irma, I sustained economic loss and incurred financial hardship. I live in south Florida, and we were declared a natural disaster area by our governor. As such, I called my mortgage company, Specialized loan services and requested a 3 month deferment due to my financial hardship. SLS stated they could only approve 2 months and not 3 months. I received a letter in the mail dated XX/XX/XXXX that my 2 month deferred was approved and my next mortgage payment would be XX/XX/XXXX. The 2 months that were deferred were moved to the end of my loan to XX/XX/XXXX. 
This month, I called SLS to make sure they credited my XX/XX/XXXX payment correctly, and the service agent stated that I had a deferment and the two months that I skipped would be due in XX/XX/XXXX, which is essentially a balloon payment. I was never notified in writing and only found out as the customer service agent told me I did n't have a deferment, but a forbearance with a balloon payment. 
I am attaching the letter from SLS from XX/XX/XXXX which agreed to the deferment and extending the 2 payments to the end of my loan. 
Since this is in writing, I am asking that they honor their original agreement. 
As of this writing, XX/XX/XXXX, I have not received any notification in writing that I am in forbearance. 
I feel like they are setting me up for failure. 
Lastly, although I am in deferment and or forbearance, SLS charges a late fee on my account these pasts months as well as XX/XX/XXXX, and I made a XX/XX/XXXX payment. 
Your assistance is appreciated.
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: EQUIFAX, INC. (NV)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block 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
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: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ( XXXX ) XXXX REF : XXXX/XXXX  XXXX XXXX, Georgia AMOUNT : {$300.00} FROM : XXXX. XXXX XXXX, XXXX, XXXX, XXXX ( XXXX ). 
XXXX XXXX XXXX. XXXX, Georgia XXXX ( XXXX ) XXXX XXXX I have left several messages with no responses from this company. I have told this company this is not my account, and I dont have a clue where this originated from. I have sent them a police report to substantiated I had identity theft, and this is not my account. I need to hear their lousy excuse why are they making me suffer. I need for them make an informed decision regarding this claim that I owe this money. They can not!!! 
I am extremely distraught by this companys defilement of another Veteran credit report. I am open to communicating with you for this purpose, only! In order to make sure that I am not put at any disadvantage, in the interim, please consider this debt as being in dispute, not mine, and dialogue amongst us. The federal Fair Debt Collection Practices Act ( FDCPA ) offers consumers protection in contradiction of excessively antagonistic debt collection actions by collection agencies like yours.
This company has violated federal law in its dealings with me. Is it conceivable you could get your companies ( XXXX XXXX XXXX ) to remove this unlawful, and illegal stain off my credit report? In nearly 50 plus years dealing with any companies, I have never been so victimized  and wronged so severely about an account that is not mine. I have left several messages with no responses from your employees. I have told your company this is not my account, and I dont have a clue where this originated from. 
Your company has forced me to report you all to our government agencies, and I have given them revelations to your violations, using unfair, and illegal credit bureau reporting tactic regarding a debt that doesnt belong to me, sadly. I do not appreciate your process, and the way your company trying to strong arm me, and then have implemented a deceptively, quixotically, and unlawful assault on my character. 
This is a sneaky way to justify your company qualification without concrete evidence, and using deprived services ; I am writing today to complain of the unprofessional service I received in this un-forgetful process. I only wanted to get a V.A. Loan after I sacrificed my life for this country with honorably behavior. They have besmirched my character and knowing, I live in whole another county in Georgia.
Consumer complaint received 2023-10-20
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. (MI)

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 XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : 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 2024-05-04
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. (MD)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-05-04
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. (NY)

This correspondence serves as a formal follow-up to Complaint # XXXX, filed on XX/XX/2024, which disputed the accuracy of the information in my Experian credit report about a XXXX account ( Account # XXXX ). Experian responded to my complaint by asserting that they had verified the XXXX account as mine and subsequently declined to remove the account from my credit report. However, they failed to provide any supporting documentation, specifically an original contract bearing my wet-ink signature, as required by FCRA regulations XXXX Experian 's failure to furnish the documentation raises serious concerns regarding the validity of their verification process. In light of this, I am formally requesting that Experian provide detailed information regarding the verification of the XXXX account, including but not limited to : 1 ) Copies of any documents utilized for verification, such as contracts or applications, containing my signature. Documentation of any communication attempts with me regarding the account, such as phone calls or emails. 2 ) Identification of the individual who verified the account : Please provide the name, title, and department of the Experian employee who reviewed and confirmed the account 's accuracy with an attestation letter ... Per FCRA 611 ( a ) ( 5 ) ( A ) ( i ), if Experian can not provide the required documentation mandated by law, I demand that they promptly delete the XXXX account from my credit report. I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure compliance with FCRA regulations. Your intervention is crucial in safeguarding consumers ' rights and holding Experian accountable for their failure to provide proper verification methods.
Consumer complaint received 2023-10-20
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. (MN)

The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX, Account number XXXX, Date opened XX/XX/2021. This account does not belong to me.
Consumer complaint received 2019-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (TX)

My account was charged off due to a financial hardship from health reasons. I am writing to get the account back open with XXXX XXXX so I can pay the monthly payments of XXXX a month until the card is paid in full. I have received the notice stating that my loan application has been denied due to bad credit history. Would it be possible for you to check again and reconsider and reopen my XXXX XXXX credit card so I can start back making payments. Thank you very much for your help.
Consumer complaint received 2024-07-15
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)

Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX Social Security XXXX XXXX REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. 
Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX11-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( " FCRA '' ) Account Name : XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX XXXX XXXX XXXX Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXXXXXX XXXX  Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX  XXXX XXXX Date Filed : XXXX XXXX, XXXX Reason : Unverified Account Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX XXXX XXXX XXXX Date Filed : Inquiry : XX/XX/XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX : unverified account Account Name : XXXX XXXX XXXX Date Filed : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : unverified account Account Name : XXXX XXXX Date Filed : Inquiry : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX Date Filed : Inquiry : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX XXXX XXXXXXXX Date Filed : Inquiry : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX Date Filed : Inquiry : XX/XX/XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX XXXX Filed : XXXX : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX. 
XXXX, GA XXXX ( XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX Inquiry : XXXX. XXXX, XXXX Date Filed : XXXX : XXXX. XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Reason : unverified account
Consumer complaint received 2024-05-04
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. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on 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 that I am asking you to verify as accurate : XXXX ( XXXX ) XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am personally submitting this complaint regarding late payment entries on my credit record. Upon reviewing my files, I discovered these late payment notations. Despite sending correspondence about this issue more than 30 days ago, I have received no response, nor has satisfactory validation been provided. I request your help in addressing and resolving this matter swiftly and effectively.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: FC HoldCo LLC (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2023-08-27
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)

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

During the Pandemic this account showed up on my credit. I have requested the company accept payment which was previously sent to each credit bureau and XXXX XXXX. No Response and on top of everything else this account was also reporting numerous lates on my credit when I said it was mine during the COVID 19 Pandemic. 

This Creditor was not compliant with the CARES ACT. I paid an account that didnt belong to me, they never waived the lates nor made record of the payments and continue to FAIL to respond to disputes.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
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. (TX)

I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-04
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. (NJ)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.