davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-25
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: Resurgent Capital Services L.P. (GA)

I opened an account approximately XX/XX/XXXX with XXXX XXXX for a XXXX credit card. After having a plethora of difficulty making my monthly payments on line, absolutely no success with customer service and being charged a fee to make payments over the telephone, I closed the account. I was double billed for the {$100.00} annual fee and was still unable to get any assistance from customer service. My wife filed Chapter XXXX Bankruptcy on XX/XX/XXXX which included the XXXX XXXX XXXX card due to her being a co-signer on the card. On XX/XX/XXXX XXXX XXXX sold the account to XXXX XXXX, XXXX and I received a letter from XXXX XXXX XXXX on XX/XX/XXXX. After explaining to XXXX XXXX XXXX the XXXX XXXX XXXX card was included on my wife 's Chapter XXXX, I have not heard from them again, but XXXX Funding is being reported as a derogatory mark on my XXXX, XXXX and XXXX credit report. After repeatedly calling XXXX XXXX for over 4 to 5 months, I finally spoke with a supervisor, and she stated she would correct the error, to no avail. Nothing has been done from XXXX XXXX and when I call them, I am either placed on hold or disconnected.
Consumer complaint received 2024-02-29
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. (TX)

Im submitting a complaint to you today to inform you of the fraudulent accounts and information you are reporting on my Credit File that has damaged my Credit Worthiness. I researched on how to remove the fraudulent items from my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking 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 XXXX XXXX, TX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV, XXXX : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$1300.00} : XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$1000.00} : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$680.00} : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$1400.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$970.00} XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$830.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$770.00} XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$740.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted due to fraud, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-22
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account XXXX : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : 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 an 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 2017-04-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

I received 2 emails saying I had not made a payment and I did. I even have the confirmation number # XXXX. I did not received a statement in the mail for this month, I called to report it. I received calls, one of them was on XX/XX/2017 @ XXXX during my working hours, when I specifically answered on my paperwork not to contact via phone, I chose the method of contact by mail.
Consumer complaint received 2024-02-29
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. (NC)

This is my several endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$770.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} 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
Consumer complaint received 2022-09-11
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. (NH)

After reviewing my credit profile on XX/XX/2022, I identified a discrepancy with multiple accounts listed under DEPT OF EDUCATIONXXXX. A verification of debt letter falling within my rights under Title 609 of the Fair Credit Reporting Act, as these were accounts that I did not recognize. This letter was sent via certified mail on XX/XX/2022. In the letter, it was stated As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my wet ink signature. USPS records show it was received by Experian on XX/XX/2022. I received a correspondence from Experian dated XX/XX/XXXX, stating the debts in which I asked for verification were Updated. Not verified as per my request and right under title 609 of the FCRA, updated with no proof of original documentation containing my wet ink signature. 

Therefore, a second verification letter was sent via certified mail on XX/XX/2022. USPS records show it was received by Experian on XX/XX/2022. In this letter, it stated that In accordance with FCRA, Section 611, I am requesting the following information to review for completeness and accuracy and appropriateness. Please send the following information used to verify the above referenced matters. I received a correspondence from Experian dated XX/XX/XXXX, stating the debts in which I asked for verification were still Updated. Not verified as per my initial request and right under title 609 of the FCRA, as well as under title 611 of the FCRA. Experian continued the claim that the purported debt was Updated with no proof of original documentation containing my wet ink signature, and the person 's name they updated the dispute with. 

Due to blatant failure to verify this debt with the original instrument of indebtedness along with the person 's name they verified the dispute with, they have clearly infringed upon my consumer rights under Title 609 and Title 611 of the Fair Credit Reporting Act. This account does belong to me, nor does Experian have the authorization to continue reporting an unverified debt to my Experian Consumer Report. 

I am asking to have all accounts listed under the name DEPT OF EDUCATIONXXXX be striked and removed from my Experian Consumer Report, or be reported as Closed, paid as agreed to my Experian Consumer Report.
Consumer complaint received 2023-10-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have to constantly change my number because Portfolio Recovery Services calls me constantly. I tell them to stop calling I even have recorded phone calls telling them to stop but they won't. They even called me when I'm at work sometimes they will back to back call me. I will block their number they will use different numbers. I have to change my number constantly I had phone numbers XXXX XXXX XXXX and many more in the past all because this company harassed me. The information they got as well is not correct and I got 2 times that they called me outside of XXXX XXXX  cut off limit. One is at XXXX XXXX  and the other is at XXXX XXXX. Almost XXXX XXXX  at night when I have to work next morning I can't get any sleep. I have recording after recording asking the telling them to stop. They won't atop calling.
Consumer complaint received 2019-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: WELLS FARGO & COMPANY (LA)

I requested information about refinancing my current loan from Wells Fargo to fix my interest rate in XX/XX/XXXX. XXXX - Rate was previously fixed between XXXX - XXXX upon which rates began increasing. 

The rep gave me information about the refinance options, clearly telling me that my debt to income ratio precluded me from refinancing without a co-signer. Info was sent to me about getting a cosign. I did not follow up because I can not at this time. 

Since that time ( XXXX - XX/XX/XXXX ), I've received daily robo calls re : my loan " options. '' When I stay on the line and am connected to a person, I ask what company they represent upon which the call is terminated. When the call goes to voice mail, the option to be removed from the call list is also the key in to delete the message. 

This is egregious, annoying, and obsurd. Please advise.
Consumer complaint received 2017-11-24
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: Fidelity National Information Services, Inc. (FNIS) (CT)

Chexsystems refuses to remove untrue information on my credit report. There was no fraud activity with XXXX XXXX. Also, there are numerous inquiries on my chexsystems report from XX/XX/2017-XX/XX/2017. I did not authorize these inquiries, but chexsystems refuses to remove them.
Consumer complaint received 2023-02-13
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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 2021-06-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I have been corresponding with XXXX XXXX since XXXX. Their timelines do not comply with FCRA. I requested deletion of bankruptcy on file via certified mail 62 days ago. I have not recieved ANY correspondence back from XXXX XXXX. Their reporting of my bankruptcy to the credit bureaus is highly injurious and needs to stop.
Consumer complaint received 2024-02-29
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. (TX)

I received an alert on XX/XX/XXXX on my Experian App that an address was found with my SSN. The Address was found on XX/XX/XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have no association with this address.
Consumer complaint received 2022-09-12
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. (DE)

XXXX XXXX XXXX keeps using my Experian Credit report to try to use new collection agencies ( XXXX XXXX XXXXXXXX @ XXXX XXXX XXXX XXXX XXXX XXXX, Texas to now try to say that I owe {$610.00} to XXXX XXXX XXXX. Number 1, XXXX XXXX  XXXX was removed Before with BOGUS collection agencies to try to scam both my husband and Myself and they were Unsuccessful. XXXX XXXX XXXX  caused my credit score to drop XXXX points this time ( I have a string feeling it's for the Auto insurance industry to try to get my Premium up which it's not happening, they never like it when you keep doing great!!! ) So, I want you to Have XXXX XXXX XXXXXXXX to Remove this Bogus Account immediately from my Credit Report!!!
Consumer complaint received 2021-06-22
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 ask you to check the information in my profile because I can not understand why I have this unknown account. As far as I remember I have never had something like this in my credit report. So it appeared recently and I do not recognize this account. Well could you please check and validate this info?
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-02-29
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. (NC)

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and In accordance with the fair credit reporting act, the list of accounts below has violated my federal Protected consumer rights to privacy and confidentiality under 15 usc 1681 Lending group # XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. State 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 state no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which indicates the report by more than seven years
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo has charged me multiple overdraft protection fees throughout the years of XXXX when I had money in my account and did not refund me at all during this time. Til this day I have not received anything!
Consumer complaint received 2017-07-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (IL)

Please consider this correspondence to be formal notice that our mutual client is hereby Submitting a complaint because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
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No response to our QWR and NOE request provided by the lender.
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The lender has also failed to respond to our Notice of arbitration and Lis Pendens
Consumer complaint received 2024-02-29
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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-05-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Consumer complaint received 2023-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, has all violated my rights. 
15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.