davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act XXXX  accounts listed below has violated my civil rights : 15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Collections Account : XXXX XXXX : opened XX/XX/XXXX XXXX inquired with dates as followed : XXXXXXXX XXXX ( Finance ) /XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXXXXXX XXXX XXXX  ( Auto ). XXXX XXXX XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) / XX/XX/XXXX XXXX XXXX  XXXX ( Bank ) XXXX XXXX  XXXX XXXX XXXX, XXXX ( Finance ) XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ( Finance ) XXXX/ XXXX XXXX, XXXX XXXX ( Auto ) XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2023-02-28
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. (PA)

On XX/XX/XXXX I contacted credit bureau to inform them and request that they were several hard inquiries done without my authorization or verification. I explained to them that I had 1st contacted the company that That was responsible for the hard inquiries and at which time they reported there was nothing they can do for me And that if it was fraud I should contact the credit bureau 's. Representative at XXXX stated there was nothing they can do for me either And that I should contact the consumer finance department and follow report there The following inquiries were made on XX/XX/XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2022
Consumer complaint received 2023-03-10
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
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 urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (FL)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2023-06-14
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: EQUIFAX, INC. (NY)

According to Law 15 U.S.C. 1681-1681x credit information in the state of New York is not allowed longer than 4 years from closed date.
Consumer complaint received 2023-03-10
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. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$370.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$770.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (GA)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am writing to dispute the inaccuracy of the information contained in my credit report regarding the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX amount owed balance of {$260.00}. I want to inform you that I have never conducted any business with XXXX XXXX XXXX, and receiving this information in the mail is extremely concerning. 

According to the federal Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. The FCRA promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. It is important to note that this account is only reported on XXXX and not on XXXX or Experian, which raises a significant discrepancy between the credit bureaus. This inaccurate reporting is adversely impacting my reputation, character, and ability to qualify for new credit. As a consumer, I am entitled to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. 

The Notice to Furnishers issued by the Federal Trade Commission specifies your responsibilities when you receive notice from a CRA, under section 605B of the FCRA, that the information provided to the CRA may be the result of identity theft. It is your responsibility to cease providing inaccurate information to any CRAs and to ensure that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

I have attached documentation below that clearly shows my insurance provider during the period of XX/XX/XXXX. It is perplexing why there would be two car insurance policies associated with my name. Furthermore, I believe that the furnisher of this information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as Experian as the credit bureau XXXX are unreliable sources. Their inconsistent reporting raises serious questions about their accuracy and reliability. Therefore, I formally request a thorough reinvestigation of this matter. I kindly request the removal of this collection account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (IN)

I dont recall or recognize this debt. 
I believe its fradulant and a scam! I dispute the validity of this debt and want it removed. 
XXXX XXXX XXXX XXXX is a scam and I have knowledge of this debt!
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: ENOVA INTERNATIONAL, INC. (GA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately. 

XXXX  Date Opened : XX/XX/XXXX Balance : {$8600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX High Credit : {$180.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$23000.00}
Consumer complaint received 2024-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

Higher Education Loan Authority of the State of Missouri ( MOHELA ) placed me in an involuntary administrative forbearance due to their delays in processing my timely filed Income-Driven Repayment ( IDR ) annual recertification, delaying my 120th qualifying payment under Public Service Loan Forgiveness ( PSLF ). Their website clearly states that all months spent in an administrative forbearance will count towards PSLF, yet they have not updated my qualifying payment count and all customer service representatives insist that the payment does not count, in contradiction to their website. They have me scheduled to resume making payments on XX/XX/XXXX, after the start of the pause under which PSLF processing will move from MOHELA to Fedloans, I will have to continue paying Mohela my monthly payment even though I will have made more than 120 payments. Mohela asserts that the Department of Education will reimburse me for any payments made over 120, but it sounds like Mohela gets to keep the money I will pay them during those months, and the reimbursement comes from the Department of Education. That sounds fraudulent to me and I believe they are doing it on purpose.
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (NY)

EXPERIAN is obligated by the FCRA to report accurate accounting. Consumer has advised ALL collections reporting was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report has been filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine these accounts are indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet signature. Consumer is NOT asking for an e-Oscar report. If EXPERIAN doesn't have documentation to show these were in fact authorized by the consumer it must be removed ASAP. SAID company is liable under the SEC to follow certain rules EXPERIAN XXXX XXXX AKA EXPERIAN XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Floor XXXX XXXX XXXX New York XXXX, i will be filing form 211 treasury omb forms to audit consumers account EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Newman, Hesse & Associates, P. A. (KS)

I have been getting my paycheck garnished by a law firm in XXXX XXXX  saying its from XXXX XXXX XXXX Im XXXX your company and need info.
Consumer complaint received 2023-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

As of XX/XX/2023 I qualified to have PMI removed from my mortgage because I passed the 80 % threshold as defined in my mortgage note. I called Webster on XX/XX/2023 once the statement in online banking confirmed the balance. I was told that a form will be auto-generated and sent to my home to write in my request. I asked on this phone call if I could get the form electronically and was told no. I have to wait for the mailed form. 

As of XX/XX/2023, I have still not received the form in the mail from Webster Bank to request the removal of PMI. I called in to customer service and was on various stages of hold for XXXX minutes before being told no one from loan servicing was available to help me and they'd call me back. 

At this stage I am concerned I will be charged PMI during my XX/XX/2023 cycle. Based on the slow pace of processing my request to date. If I am charged PMI in the XX/XX/2023 cycle I believe that Webster then would have committed a UDAAP violation under the Unfair definition because this injury could not have been avoided by the customer. Webster had one month to process the removal of PMI and has thus far not done so.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

I have a XXXX dollar balance on one of my two WELLS FARGO Visa cards. This card is closed. I cant get out from under this balance. I have been paying on this card for two years. I get at least XXXX a month in fees. I want to pay this debt but seems IMPOSSIBLE. Also I can no longer view my account including payments made, interest charged etc. I am told I can no longer access this account? The bank will not work w me in any way, even though I have been a customer for 20 plus years and have always paid my debts.
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (MD)

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 numberXXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  Account number:XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number:XXXX  has violated my rights. Or 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 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2023-03-10
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (VA)

I received my credit report on XX/XX/XXXX  and noticed hard inquiries that didn't have a permissible purpose on my report. These hard inquiries are hurting my ability to get approved for financial products that can benefit me and my family. I already contacted the credit bureau about this, and they are unwilling to assist. My rights under 15 USC 1681 b. have been violated. I have attached the hard inquiries that have no purpose on my credit report.
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (NY)

EXPERIAN is obligated by the FCRA to report accurate accounting. Consumer has advised ALL collections reporting was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report has been filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine these accounts are indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet signature. Consumer is NOT asking for an e-Oscar report. If EXPERIAN doesn't have documentation to show these were in fact authorized by the consumer it must be removed ASAP. SAID company is liable under the SEC to follow certain rules EXPERIAN GROUP LTD AKA EXPERIAN PLC commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX New York XXXX, i will be filing form 211 treasury omb forms to audit consumers account EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT