davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX MO XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I logged on to the Experian website to view my credit report. The credit information is from XXXX 2020. No new information is included on the report. I could not figure out how to generate a new credit report on the Experian website to ensure my latest information is correct. I've tried contacting Experian by phone multiple times over multiple days and have not been able to speak to a live person.
Consumer complaint received 2021-02-16
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. (TX)

After submitting a complaint through the CFPB initially, Transunion received and initiated a dispute. Transunion verified the inaccurate information as accurate. By doing so they have violated the FRCA section 623 refusing to correct or delete inaccurate information my report. More specifically, I reference the fact that Transunion falsely verified as accurate : 1. The date closed is inaccurate. How can the account be closed in on XX/XX/XXXX, but continue to report late payment the following months. 
2. Last payment made shows to be on XX/XX/XXXX but in my payment history shows my last payment to be on XX/XX/XXXX. 
XXXX. The account shows charged of only after a XXXX date late. According to the Metro 2 standard, a charge off is considered to be after a 120 day late. 
4. The Date Updated Field has never changed to reflect my Disputes, last on XX/XX/XXXX which make me believe that there was no investigation done after notifying Transunion of the this inaccurate account via the dispute process. 
This account is not reporting 100 % accurately and is a direct violation of the FRCA section 623 and the Metro 2 standard. Please review attached verified report sent to me by Transunion.
Consumer complaint received 2024-02-20
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)

In accordance to the fair credit report Act : this creditor has violated my rights under 15 USC1681 section ( a ) ( 4 ) which states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] states : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

I called MyFedLoan XX/XX/XXXX to ask for a refund for payments made during COVID forbearance. I was told that because my loans were transferred to XXXX, the refund would have to come through them. I had 15 total student loans- 13 of the loans were paid off through MyFedLoan prior to the conversion to XXXX XXXX I requested a refund from XXXX the same day - XXXX XXXX. I called several times to check on the status and was told by XXXX it was processing. XXXX XXXX I was finally told by XXXX the refund couldnt be processed because the payments were made and loans were paid off while belonging to MyFedLoan, and I would need to request through them. I called MyFedLoan to again insist for a refund. After speaking with 3 people, I got my refund request in, but was told the next day XX/XX/XXXX this would be canceled. They say that they are closing at the end of XXXX and will not have time to process my refund request. That I will have to wait until XXXX gets all the payment history transferred to them and then request the refund again in XXXX or later. This is a large sum of money that is being held when I am legally within my rights to request it be refunded.
Consumer complaint received 2022-11-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP (TX)

I keep getting a call from this number XXXX for over a month now. My caller ID shows it's rausch sturm, a debt collector company. I do not have any outstanding debts and I have confirmed it through my annual credit reports. They seem to be impersonating a debt collection agency to trick me. However, I am still scared about identity theft and potential fake debt. Please help me.
Consumer complaint received 2024-02-20
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. (NV)

In accordance with the fair credit Reporting act XXXX XXXX  ( Account # XXXX ), has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-20
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. (TX)

My information was compromised in the XXXX data breach and the following unauthorized accounts and inquiries are reporting negatively impacting my creditworthiness. I mailed a dispute letter XX/XX/XXXX and I will attach it for your reference. It is dated and time stamped. My data breach claim id is XXXX. Please see attached FTC report. Please remove the following from my credit report : Account : XXXX XXXX XXXX. Inquiries : XXXX XXXX XXXX EXPERIAN, XXXX XX/XX/XXXX EXPERIAN, XXXX XXXX XXXX XX/XX/XXXX EXPERIAN, XXXX XXXX XXXXEXPERIAN, XXXX XXXX XXXX  EXPERIAN , XXXX XXXX XXXX XX/XX/XXXX EXPERIAN
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TFC Credit Corporation of California (FL)

This loan was secured to complete my education, however the institution I was attending has permanently closed due to XXXX as of XXXX XXXX. When I spoke with the members of the staff at the institution and the lending company, I was lead to believe that this loan would be voided as the service and the school where not able to fulfill the obligations of the contract. I have attempted to reach out recently as I am trying to purchase my first home and this loan is still showing on my report, thus preventing me from getting approval. I have tried calling the service line for the past few months but I only get a line that plays some type of XXXX XXXX XXXX XXXX XXXXXXXX than beeps to leave a voicemail, which I have a few times.
Consumer complaint received 2022-11-11
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: SANTANDER HOLDINGS USA, INC. (VA)

I am aware of the laws that are put in place to help individuals like myself to fix any problems dealing with credit. So I tried reaching out to get things off of my credit I just seem to get ignored constantly. So, XXXX XXXX XXXX refuse to take the information off of my credit. Me as the consumer, I did not take out a loan which they are trying to say now it's in my credit, Santander Consumer has inaccurate information on my credit and refuse to remove it. All of the hard inquiries should not be on my credit after I disputed them. 15 US 1681 states that I have the right to remove all negative things from my credit and that is a violation to the law. And I did not give permission for negative items and inquiries to be on my credit, and my credit was pulled without my permission. I need this problem resolved as soon as possible.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (NY)

So i've noticed my interset rate went up by half percent every month from XXXX XXXX so i called my istitution which was Chase Bank XXXX The answer i got its because of inflation interest goes up so the credit card company dont loose money. So how is it even lawful to change my interest without written notice to me 45 days prior first of all. Second of all inflation in a country everything cost more and credit card company charge you more so they recover. how about my salary. it stays the same. Card workers told me to read it in a XXXX XXXX XXXX about interest going up. Government needs to step up for little people
Consumer complaint received 2022-11-11
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: Federal Adjustment Bureau, Inc. (OH)

This company has not provided credit report, yet sent correspondence requesting which items on the report are being disputed. This entity has been asked to remove all items on the credit report which have not been verified with contract signature, appropriate identification and/or social security card. This agency has been asked to remove all addresses not reflective of the current address and many alternate reporting agencies have inaccuracies related to addresses. This entity has allowed unauthorized inquiries on my report and unsoliciated credit and insurance offers.
Consumer complaint received 2022-11-11
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. (VA)

Hello, I received a XXXX notice about a possible fraud last night XX/XX/2022. It was in regard to XXXX XXXX accounts. I denied opening any accounts on XXXX and contacted XXXX XXXX. I spoke with the Frauds department who confirmed that my identity has been stolen! She couldnt give me much information however, it seems as though the imposter has possibly verified my drivers license as well. She told me all accounts had been shut down but couldnt give me any information on when they were attempted to be opened. She said there will be an investigation and I would be receiving information once everything has been resolved. We also figured out that the imposter was using an invalid address also. I then called XXXX and reported the fraud. They too opened an investigation. I got notification this am via a XXXX email confirming my opened accounts : XXXX convenience checking and savings. I also received an email stating that my email address has been requested to be changed. I called again to XXXX XXXX to verify all accounts were locked and it was confirmed. I plan to contact XXXX ; however, it is closed for the XXXX XXXX holiday today. I wanted to get this report in ASAP to make sure there isnt too much damage to my credit report and we can hopefully resolve this issue ASAP. Please let me know if there is anything else that I need to do.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PCR Group (MI)

Complaints are with XXXX XXXX incorrectly reporting rental payment and status XXXX XXXX XXXX XXXX XXXX, MI XXXX, Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX  XXXX XXXX for in accurately reporting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX XXXX XXXX  in XXXX Michigan lease denial XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX or ( XXXX ) XXXX XXXX for their credit screening process/denial based on inaccurate information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Adjustment Bureau is reporting a {$930.00} XXXX collection fee and incorrectly listed as an Eviction. I have had Legal Counsel involved which gave specific instruction to both XXXX ( XXXX XXXX XXXX XXXX ) as well as Account Adjustment Bureau. 

This was an early lease termination initiated by me the Tenant and not an Eviction as stated. XXXX failed to address several complaints or provide another solution regarding the unsafe/unhealthy living environment from Extensive Residential Drug by neighboring Tenants. My Apartment was constantly filled with XXXX and other XXXX  odors. After several failed attempts to address this with XXXX management, I gave XXXX proper notice, all rent was up to date and paid on time. 

This is affecting my ability to find a rental with XXXX XXXX  in XXXX Michigan. I I was refused a lease due to XXXX  credit screening. 

Please see attached letter from Attorney. Any additional supporting documentation can be provided
Consumer complaint received 2023-07-05
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: Westlake Services, LLC (FL)

I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX XXXX XXXX ( XX/XX/2022 ) XXXX OF XXXX XXXX ( XX/XX/2022 ) XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. 

I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification.
Consumer complaint received 2023-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XX/XX/ with approximately {$35000.00} left on my original loan. My Mortgage Loan was transferred to Green Tree Servicing LLC d/b/a Ditech d/b/a Shellpoint Servicing then Sold to XXXX XXXX XXXX. Green Tree Servicing LLC put my account in default the first month and foreclosure the 3rd month by withholding the first and all payments thereafter. I have been fighting the Lenders and the Court System for 9 years and have hit a brick wall from the highest level and from all angles. The Court System doesn't care if your signature and documents were forged by the Lenders. The Judges allows this White Collar Crime Foreclosure Fraud to use the Court System to break the law.
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2022-11-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NY)

The issue is to report a telegraphic transfer. And the bank making issue is the bank of new york mellon. I am a student from XXXX. I sent my fees to XXXX university from XXXX on XXXX XXXX through XXXX XXXX. The sender bank was bank XXXX XXXX. There was a compliance on my transfer which took XXXX weeks to clear than the sender bank said the money has been transferred but it didn't reached the XXXX XXXX and i confirmed it. The bank ran the tracer, XXXX XXXX replied that they sent the transfer to bank of new york and now the information to bank of new york mellon XXXX XXXX XXXX but they are not replying. And its been XXXX months they are not replying on tracer or transferring the transaction to XXXX XXXX ( convera ). I sent the complaint to XXXX  but no reply I am in really need. I have all the documents plz contact as soon as possible.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl,XXXX To whom this may concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report and discovered that late payments are being reported on my consumer credit file. Im not sure if you may know, but you are violating my consumer laws by reporting this information per XXXX laws. 

These are the consumer laws that are being violated : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

I would like all late payments to be changed as either : Pay as agreed OR Ok Please send the updated information to my mailing address listed above. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX XXXX XXXX  ) which is causing significant distress and financial harm. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. Attached you will also find my ID as proofofmyidentity and Proof of Address with my most recent billandSSNCard.