davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-07
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: Experian Information Solutions Inc. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 5 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 Experian 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 item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}.
Consumer complaint received 2020-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (NJ)

I have made a Zelle transfer from my personal checking to a buisnsss checking account on XX/XX/2019 for XXXX. This money is still not in the receiving account or been refunded to the delivering account. I have contacted both banks and Zelle and we have had no luck at receiving back our funds.
Consumer complaint received 2022-12-27
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. (CA)

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 Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2022-12-26
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2021-12-18
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)

XX/XX/2021 Certified Letter Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Request Demand for Response My name is XXXX XXXX. I am contacting you on behalf of myself and no one is assisting me. I have contacted via certified mail XXXX, XXXX, Transunion on 3 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 15 USC & 1681 c-2 Identity Theft
Consumer complaint received 2022-11-12
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. (OH)

In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Consumer complaint received 2020-01-07
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: Experian Information Solutions Inc. (NY)

THE INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. PLEASE HAVE THOSE INQUIRIES OFF MY CREDIT REPORT.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX lowered my credit line based on " Lack of Real Estate Secured Loan Information. '' In addition, to several other reasons that are incorrect and don't make sense to me. I'm XXXX yrs. old, why must I have a " secured real estate loan? '' Please advise if the credit scoring system used to predict my creditworthiness is valid and non-discriminatory.
Consumer complaint received 2024-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (CA)

I applied several years ago to remove my cosigner from my loan and was denied. I recently re-applied on XX/XX/XXXX and was denied again stating that I did not make enough money to cover the loan. I make very decent money. Showed proof of that. My cosigner is in and out of prison, he is not a good human, I would prefer to not have any form of contact with him but this gives him a reason to contact me. there is no reason I should have been denied to have my cosigner removed. 

Also, dealing with Navient has been nothing short of a nightmare. This has been an ongoing loan since XXXX. I currently owe $ XXXX more than I did when I graduated due to the ridiculous interest rates put forth by the company. That makes it nearly impossible for any person to pay these loans off. 

I was lied to by the school that I took this loan out for, they have since closed. My degree is utterly useless and I am stuck paying for an education that was a complete joke.
Consumer complaint received 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX  account XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of educationXXXX XXXX XXXX XXXX. XXXX 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 2020-01-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (NJ)

As documented in the attached correspondence, I have spent a great deal of time and effort trying to correct a billing error with XXXX XXXX XXXX. 

When CMRE first contacted me about this alleged debt, I sent them a detailed message explaining why I contested that I owe XXXX XXXX XXXX any money, including proving CMRE with both the proper billing code that should have been used and the improper code used. CMRE completely ignored my letter, and continued to try to collect this debt. Not only did CMRE call me, but they sent me letters threatening to report this debt to XXXX and XXXX.
Consumer complaint received 2020-01-07
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 — Problem with personal statement of dispute
Company: Army and Air Force Exchange Service (NC)

The following dates indicate late credit card payments on my credit report : - XX/XX/XXXX ( Preparing for XXXX to XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( Permanent Change of Station - Relocation ) - XX/XX/XXXX ( Permanent Change of Station - Relocation ) - XX/XX/XXXX ( Military Training ) At the time of these late payments in XXXX, I was in the process of deploying/deployed to XXXX in support of Operation Freedoms Sentinel. As an XXXX XXXX Service Member, there are not always timely notices for combat deployments and/or Field Training Exercises. In XXXX, I was in the process of a Permanent Change of Station due to ongoing military obligations. In XXXX, I was attending military training with little to no internet or telephone access. I say that not to justify why the payments were late, but instead to show that the late payments are not a true indicator of my actual creditworthiness. Since that time I have been an exceptional customer paying every month on time. The late payments have been unsuccessfully disputed with the three major credit bureaus. I have enclosed a copy of my Duty Orders with this letter for reference.
Consumer complaint received 2022-12-26
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. (NY)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-26
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. (NY)

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, Account # : XXXX Account name : # XXXX XXXX XXXX. Account # : XXXX Account name : # XXXX XXXX XXXX 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 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 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Commercial Services, Inc (NC)

I signed a repayment contract on XX/XX/15 stating I owed National Commercial Services Inc. to date {$4300.00} minus a down payment of {$550.00}. This brought the balance of the claim to {$3700.00}. Three days later on XX/XX/15, they changed the amount owed to over {$19000.00}. When I questioned the increase they sent me the all the back up and payments that XXXX XXXX  paid. I kept paying the monthly payment of {$150.00} as I signed the contract and they would threaten to suspend my drivers license and take legal action if did was late or missed a payment. I actually ended up paying National Commercial Services Inc. over {$5000.00} and have stopped any more payments to them. Now they put a chargeback against my credit for {$19000.00} and just this month increased the amount another {$100.00}. They have been paid above what our contract stated. I have attached a copy of the signed contract as well as what was sent to me when I inquired about the amount change.
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

In XXXX of XXXX, I, XXXX XXXX XXXX, filed a complaint against Santander Bank with the CFPB. Santander Bank allowed a former junior business partner, XXXX XXXX XXXX, to open an account without my presence in XXXX, XXXX. He opened this account as an LLC, though he never formed an LLC, did not provide the necessary paperwork, and the business was never registered in his name anywhere. The business was always only registered as a DBA in my name only. Further, he used his home address in XXXX, MA, and his PO Box in XXXX, MA, as the business address, and the business mailing address, respectively. My business was only ever located in XXXX, MA, and registered in my name only. In XXXX, XXXX directed me to use the LLC on invoices and checks, as Santander would only recognize checks in the LLC for which the bank accounts had been opened in, and would not accept checks in my DBA ( see attached emails ). When Santander responded to my initial complaint, they stated the accounts were open as a DBA. In our later, correspondence, they admitted the accounts were open as an LLC, and claimed they could not establish whether or not they had performed their due diligence in opening the accounts. Over the years, XXXX XXXX XXXX, was able to control and exploit his position as account holder, accounts that should never have been opened by Santander bank. On XX/XX/XXXX, I finally forced myself on the accounts. I told the banker, XXXX XXXX, I was very nervous XXXX would steal the funds. I tried to open a new account, but Santander said I could not, as we were an LLC. I froze the accounts, in every attempt to  protect the company funds. On XX/XX/XXXX, Santander Bank allowed XXXX to unfreeze the accounts, and deplete the funds, buying a bank check in the amount of {$15000.00}, and withdrawing {$9500.00}. In the end, I researched the LLC, found we were not an LLC, and only then, was I able to open the accounts with Santander as a DBA, which was all the business was ever registered as. The bank failure allowed XXXX to manipulate me and take funds he wasn't entitled to for years, culminating in those final transactions, and eventually causing the failure of the business and my many years hard work.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-01-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I had an account with XXXX. They sold the account to other lenders and add it back on my credit as if it was just new. The account is over three years old. They are also doing soft inquiries on my credit without my permission. They are using portfolio recovery and the dates are not correct. I've contacted the credit bureau and disputed them. All of the things that supposed to be on my credit isn't. People are adding things to my credit without sending me notice or anything. Here are the dates for the soft inquiry for portfolio recovery. Inquired on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not requested for anything such as a credit card or anything other than a car-loan on XXXX. I've contacted the dealership and asked them to stop making the inquiries after I didn't get approved. I had to have a co-signer which was my mother that has perfect credit and was promised. I don't have a lot on my credit which is great but the soft inquiries are hurting my score and I didn't request them. I currently have a freeze and fraud alert.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I have asked the credit bureau to do a verification on my credit report. They did it and stated everything were accurate on them. However, i did a thorough research myself and find improper inaccuracies on my credit report even tough after they did, their verification. 
In accordance with the Fair Credit Reporting act XXXX  account # XXXX account # XXXX and account # XXXX, has violated my right. 

15 U.S.C 1681 602 A stated 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.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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

XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX 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 2019-02-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

On XX/XX/XXXX I called XXXX to initiate the process of having my PMI ( FHA MI ) removed from my account. According to my original loan agreement after 5 years, I am eligible to have my home re-appraised at MY expense to recalculate Loan to Value ratio. If the LTV is at or below 78 %, the mortgage insurance will be removed. So I called XXXX to start the process. I have since called 4 times over 2 months and they refuse to give me any information, refuse to respond to me. I can only speak with customer service, can't speak with a supervisor, nothing! Total lack of information. 
REMOVAL OF MY MORTGAGE INSURANCE IS MY RIGHT under the agreement and they refuse to honor it. 
Here is my telephone history : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX spoke with XXXX XXXX and emailed at XXXX ( no response ). Called XX/XX/XXXX spoke with XXXX XXXX and was only able to read back my email I sent. NO update info at all. No one else to speak with. I have no other option but to seek CFPB 's help!