davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (FL)

On XX/XX/2022 I received a response back from RP Funding on a previous complaint that the property is not located in a floodplain the requirement for flood insurance would be removed and they would issue any refunds as applicable. 

This complaint is in regarding the mandatory private flood insurance that was obtained on XX/XX/2022 In the amount of {$820.00} for a XXXX year policy. I called guided insurance solutions on XX/XX/2022 and canceled our private Flood insurance policy. On XX/XX/2022 a refund in the amount of {$380.00} was credited back to us from the insurance company. There was a penalty of more than XXXX XXXX due to early cancellation. This leaves a remaining balance of {$430.00} that we need to be reimbursed for as the policy was not needed since the property is not in a flood zone. 

I reached out to RP Funding concerning reimbursement of monies spent on mandatory private insurance on XX/XX/2022 by FAX and email. I called on XX/XX/2022 and I was told that since the funds are not coming from an escrow account that they will do nothing about this. I informed the representative in the Insurance Department that another complaint would be filed with the CFPB as this would be considered unnecessary expenses incurred due to their errors and should be reimbursed as it was previously stated in a prior complaint as a fair resolution to the issue.
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX XXXX, am XXXX and hold superior title and ownership over the principal ( XXXX XXXX XXXX ). I rebuke and reject XXXX XXXX XXXX false presumption through a promissory note claiming my superior title and ownership over the principal ( XXXX XXXX XXXX ). I command XXXX XXXX XXXX with account number XXXX to remove their debt immediately from my credit profile. The attached photo identification is evidence I hold superior title and ownership over the principal ( XXXX XXXX XXXX ) and that XXXX XXXX XXXX has no standing at law against my superior title and ownership over the principal ( XXXX XXXX XXXX ).
Consumer complaint received 2018-12-12
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: EQUIFAX, INC. (GA)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$880.00}, {$970.00} and XXXX. 
I challenge the accuracy, compliance and reportability of these listings. 

There are no contract, no valid claim ... accounts were settled with original creditors by insurance provider, and I have confirmed this with insurance ( XXXX XXXX  XXXX XXXX ) ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt TWICE! It is unlawful. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2023-06-13
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. (SC)

TransUnion is reporting an account XXXX XXXX XXXX account # XXXX, This account was previously deleted in XXXX.Ive contacted TransUnion and they seem like they dont care I ask them to validate the account and XXXX with TransUnion said they dont verify or validate accounts
Consumer complaint received 2023-06-30
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. (PA)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2017-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (AZ)

I noticed this debt had been placed on my credit  report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ). Arizona state regulations require all debt collectors to  send specific written documentation verifying the debt : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge.   I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a res  ponsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations.
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information corre  ctly, violates the FDPCA and their Fair Credit Reporting Act.
Consumer complaint received 2022-12-06
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. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, VA XXXX Date : XX/XX/2022 To Whom It May Concern : 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 U.S.C. 1681. 
Account name : XXXX XXXX Account name # XXXX Account Name : 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.

It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( 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 the 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX XXXX, and Equifax Full name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX # XXXX, XXXX XXXX VA XXXX Former Address : Social Security # : XXXX Home Phone : XXXX Date of Birth : Work Phone None Employer N/A Spouse Name N/A Spouse Social Security # N/A Credit Report Dispute / Account Information Dispute Section Company Name XXXX XXXX XXXX Account XXXX XXXX -- Not my account x -- - Was never late -- -- -- Account paid in full -x -- - Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was never late Company Name : XXXX XXXX Company Name : XXXX XXXX Account XXXX XXXX -- -- Not my account -- -- -- x Was never late -- -- -- Account paid in full -- -- -- x- Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was paid on time never late Company Name : XXXX Company Name : XXXX Account # XXXX -- -- Not my account X -- Was never late -- -- Account paid in full -- -- -x -- Current status incorrect -- -- other -- -- -- Dispute Explanation : Account never late/ paid inaccurate CURRENT STATUS I certified that all information above is true and factual. 
Signature XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. Telephone XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX. Telephone XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION (AR)

I processed a transaction with XXXX XX/XX/XXXX in the amount of {$100.00} for a XXXX XXXX  XXXX  wig. After shipping and receiving the product the description did not match. I contacted the merchant directly for assistance to see if it could be resolved to no avail. At which point I opened a dispute with XXXX for return of product which they approved and advised that the seller would be responsible for return shipment label. I waited and waited for the label and nothing was sent. I attempted reaching out to the seller again to resolve the dispute and get a return label and they continuously attempted to give me a partial refund and refused to send a label due to expense. Without a label or return address I had no way of returning the product to finalize the dispute and get a refund. I reached out to XXXX  help center who advised me to contact my bank. 
I contacted my bank and advised that I bought an item and did not receive what i ordered. The claim was temporarily credited then rejected early XXXX. I reached out to regions to see what was needed to prove the validity of my claim and on XXXX XXXX I sent in all of the documentation of weeks of me trying to get a return label sent to me and showing the seller that i received a product that I did not order. After my documents were reviewed the claim was approved and closed. On XX/XX/XXXX I was sent a letter stating that the funds would be reversed because I received the product. My funds are not being protected and the seller is not complying with policy. I have spent months trying to get this resolved and would really appreciate some assistance.
Consumer complaint received 2023-06-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (FL)

The following car loan company is of my complaint. 
Bridgecrest XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX My account # at XXXX is XXXX XXXX XXXX XXXX XXXX XXXX 
filled out form on the phone with XXXX for a deferment on XX/XX/XXXX after confirming the following payment with him as he spoke with me earlier that after that payment I would be qualified for a deferment Thank you for your one-time Bridgecrest payment made on XX/XX/XXXX using Confirmation XXXX Payment date : XX/XX/XXXX Payment amount : {$340.00} Service fee : {$3.00} Total amount charged : {$340.00} Payment status : ACCEPTED Account number : XXXX Payment method : Debit Card XXXX I was told that I would receive via email a docusign or in the mail. 
2. I called customer service after a week or so and was told someting entirely different : " You must go online to receive docusign. '' I then did not see it there. 
3. I called XX/XX/XXXX to ask what happened, was not given information. 
4. Called XX/XX/XXXX was told it was because of a discrepancy of {$9.00}. Oh so I was told to pay it and reapply. 
5. I paid the following amount Dear XXXX Confirmation number : XXXX Payment date : XX/XX/XXXX Payment amount : {$10.00} Service fee : {$3.00} Total amount charged : {$14.00} Payment status : ACCEPTED 6. Calling to fill out deferment on Friday XX/XX/XXXX I was told the agen could not hear me properly so I told her I will call back in hour. 
7. IN one hour another agent this time a female with the same name as the male agent XXXX said it was too late filll out form and that repo time was next week. 
8. Called again to get yet another agent named XXXX a male, told me I was not able to even apply now had the wrong information about how many payments I made so I simply said I wil report to government agencies of the situation, and that it was not only a setup by lack of information and status but fraud on the part of not helping a consumer with the true information needed. 

This company has other complaints similar and several lawsuits in action that they play XXXX and give false information and isnturctions in order to set up the car owner with a repossession. 
I have health issues and am over the age of XXXX and this is too much for me and my vehicle is essential for my work and eating.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

There is accounts on my report that have been deleted but reappeared, when call the bureau to tell the there are unauthorized, unverified inquires on my report in I want them deleted as soon as possible. There stating it's nothing they can do about that.
Consumer complaint received 2022-11-03
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: EQUIFAX, INC. (MN)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct/repair the account listed below : XXXX XXXX XXXX
Consumer complaint received 2023-06-30
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 2021-03-07
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/ original creditors several times that these accounts do not belong to me. I have not in any way received goods or services from these companies and i have provided my police reports, my FTC ID THEFT affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2017-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

The loan was issued in  XXXX  by  XXXX   XXXX  and repayment began in  XXXX . After becoming unemployed in early  XXXX , I spoke with  Navient, the loan servicer, about my financial hardship and inability to continue making payments on the loan due to unemployment. Navient failed to advise me on all options that were available to me, including Income  Based Repayment, and instead advised that a deferment was my only option. This was a misrepresentation and inaccurate information. The deferment expired and now my monthly payments are more than what I was repaying prior to the deferment period.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 2021-03-06
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. (GA)

I have told the CRA on multiple occasions that the information they continue to report is incorrect. They have never verified none of the disputes I have submitted to them. I have investigated the accounts myself and found out that they have been reporting the wrong account numbers, ( 2 ) when there in only one account number, the wrong dates, the wrong status and also a third party reporting on behalf of the original company that I had no idea existed. How is this possible? They are wrecking my credit. The copy I have uploaded in the system and also sent to the CRAs listed is the only account I have with US DEPT OF ED.
Consumer complaint received 2023-07-04
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: DISCOVER BANK (WA)

I've had a freeze put on my credit report yet somehow a hard enquiry was allowed to be put through by XXXX XXXX and DISCOVER FINANCIAL SERVICES on XX/XX/2023. Before I had a freeze put on my credit an enquiry was made by XXXX on XX/XX/2023 and XXXX  XXXX on XX/XX/2023. All these are a result of fraudulent activity as I have never applied for credit from any of these institutions.