davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XX/XX/year> Subject : Dispute Request for Account Deletion Due to Lack of Response to CFPB Debt Validation Request Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute the validity of an account listed on my credit report and to request its deletion based on non-compliance with a debt validation request sent through the Consumer Financial Protection Bureau ( CFPB ). 
On XX/XX/year>, I submitted a debt validation request regarding the account [ XXXX XXXX XXXX account # XXXX ] to XXXX XXXX XXXX through the CFPB. As of the date of this letter, I have not received any response or acknowledgment from XXXX XXXX XXXX regarding this request. 
According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), consumers have the right to request validation of a debt from a creditor. Furthermore, failure on the part of the creditor to respond to a debt validation request within a reasonable timeframe can result in the debt being considered invalid. 
Given the lack of response from XXXX  XXXX XXXX, I am requesting that the account XXXX XXXX XXXX account # XXXX be promptly deleted from my credit report. The failure of Receivables XXXX XXXX to provide validation of the debt within the stipulated timeframes casts doubt on the accuracy and legitimacy of the reported information. 
I have enclosed copies of the following documents for your reference : XXXX. A copy of the debt validation request submitted to [ creditor 's name ] via the CFPB. 
XXXX. Any relevant correspondence or documentation related to this matter. 
I kindly request that you conduct a thorough investigation into this dispute and take appropriate action to remove the disputed account from my credit report. Additionally, I request that you provide me with a written confirmation once the account has been deleted. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute and the subsequent update to my credit report. 
Sincerely, XXXX XXXX Enclosures : XXXX of debt validation request submitted to [ creditor 's name ] via the CFPB Any relevant correspondence or documentation related to this matter.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Consumer complaint received 2024-03-26
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. (IL)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2023-04-28
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX, XXXX. XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items That is inquiry was not authorized and in violation 15 U.S. Code 1681b Permissible purposes. Please DELETE as soon as possible.
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is in regards a hard inquiry currently listed on my credit report and file. The hard inquiry from XXXX on XX/XX/ is fraudulent and was not inquired by me. This inquiry is a result of identity theft, and needs to be removed from my credit report within 4 business days ( Per 15 U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination.
Consumer complaint received 2024-03-26
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. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (NV)

My identity was stolen and used to open XXXX XXXX XXXX I have filed a police report and FTC Report. I am preparing a lawsuit. After informing Experian and XXXXXXXX XXXX i have gotten nowhere. they do not investigate the matter even with the police involved.
Consumer complaint received 2024-03-26
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. (PA)

I am writing to express my extreme frustration and disappointment with the lack of action regarding my previous complaints regarding invalid and unauthorized negative accounts on my credit report. Despite multiple attempts to resolve this issue, these negative items remain on my credit file, tarnishing my creditworthiness and causing significant distress.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

There are inaccurate account information on my reports that do NOT match with my records or with other consumer reporting agencies thus proving the inaccuracy. See attached exhibits. The XXXX [ Account # XXXX ] has a payment status inaccuracy where XXXX agency is reporting 120 days late and another 150 days late while also having unmatching monthly payment status. See XXXX  exhibit attached below. Next is the XXXX XXXX XXXX Account # XXXX ] is showing not a single late payment on Experian which matches my records but XXXX and XXXX XXXX reporting monthly 30 day lates which does NOT match my records.
Consumer complaint received 2024-03-26
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)

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 's My understanding that Experian will investigate this account for me to ensure accuracy here is the account i am asking you to verify as accurate Account name XXXX Account number XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Subject : Formal Complaint Regarding Failure to Provide Information Pursuant to Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a formal complaint against the three credit reporting agencies ( XXXX, Experian, and XXXX ) for their failure to provide me with or respond to my request as per my written notice dated XX/XX/2024. I believe this action violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I sent a written request to each of the credit reporting agencies mentioned above requesting specific information related to my credit report, as allowed under the FCRA. However, to date, I have not received any response or acknowledgment of my request from any of the credit reporting agencies. 

This failure to respond is not only a violation of my rights under the FCRA but also hinders my ability to review and verify the accuracy of the information being reported about me. As a consumer, I am entitled to access this information and ensure that it is correct and up to date. 

I am invoking my rights under the FCRA and requesting that the credit reporting agencies promptly provide me with the requested information. Additionally, I request an investigation into why my initial request was not acknowledged or responded to within the required timeframe. 

Please find the details of my original request enclosed with this letter for your reference. I kindly ask for your immediate attention to this matter and a timely resolution in accordance with the FCRA. 

Thank you for your prompt action in this regard. I look forward to your response within the statutory timeframe. 


Enclosures : 1. Copy of original written notice dated XX/XX/2024 2. Any relevant documentation or correspondence related to this complaint
Consumer complaint received 2018-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

I called last week to see if I could lower my payment. I work for a non-profit, will be eligible for PSLF in a couple of years and am paying monthly payments for my oldest in college. I was told when my student loans transferred to Navient, I would be put in the plan with the lowest monthly payment, since I qualify for IDR. 

The rep immediately told me, I was in the best IDR for me and my only option was forbearance. I informed her per StudentLoans.gov, I was eligible for several payment plans with lower monthly payments. She immediately told me I was eligible for said plan and I could lower my payment by {$200.00} a month. 

She then told me how to request this change. I submitted the paperwork on the same day. Today, I get communication I will be moved into a standard repayment plan and that my IDR Recertification can not be processed as it is too early. 

So I call, again, and am told I have to pay the {$5.00} processing fee to have my IDR plan changed. I asked the rep if I missed something in the online process to pay this fee. No, I have to call into do it even though I agreed to the fee online. 

It is evident Navient is not working in the best interest of borrowers like me. 

I have struggled to pay my student loans for years and am committed to doing so, but I do not have a partner in my loan provider who will support my success. These are shameful and predatory business practices. Navient should correct my last 5+ years of payments to the lowest amount I should have paid in the IDR and apply the difference to my principal. Or advance my payments so I am eligible for PSLF sooner.
Consumer complaint received 2024-03-26
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MO)

I filed a claim with Navy Federal Credit Union and my local police department. XX/XX/ Saturday morning I noticed fraudulent charges on my debit card. I was notified today that my claim was denied. The bank has no actual reason as to why it was denied. The fraudulent charges include someone paying their car insurance and car loan payment and XXXX charges. I would think that the banks investigator would be able to get info that those accounts dont belong to me. I have submitted a full police report to them as well but they are not resolving the matter or being helpful.
Consumer complaint received 2023-04-28
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 want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX  XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2024-03-26
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 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 3rd party. They in fact did not come from a 3rd 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 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-03-26
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 XXXX  XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.