davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-10
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: Experian Information Solutions Inc. (CA)

On XX/XX/19 I reviewed all three credit bureaus and noticed there was fraudulent activity on my credit reports and on XX/XX/19 I requested a security freeze, fraud alert be placed on each credit bureau. On XX/XX/19 I mailed 3 signed, certified dispute letters with Federal Trade Commission Affidavits to Experian, XXXX and XXXX XXXX paying a total of {$25.00} for the mailing fees. I received notification on XX/XX/19 that XXXX received the certified packet and its contents with the tracking number XXXX. On XX/XX/19 I received notification that Experian received the certified packet and its contents with the tracking number of XXXX. On XX/XX/19 I received notification that XXXX XXXX received the certified packet and its contents as well with the tracking number XXXX. Next, on XX/XX/19 I went to review all three credit bureaus and paid my monitoring website {$24.00} to refresh all reports and noticed that each fraudulent account was still on my credit and there was no changes on any of the credit reports. It is now XX/XX/19 and I reviewed my credit reports again and there are no changes. I have not received any investigation notes whatever and now I am reaching out to the Consumer Financial Protection Bureau to help me rectify this urgent situation. It has been well over 30 days as stated in the Fair Credit Reporting Act section 611. Additionally, I did send copies of the section 611 with all the certified packets to further support my case.
Consumer complaint received 2020-02-08
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$9300.00}, {$4700.00}, {$10000.00}, {$6500.00}, {$7000.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account.

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

5. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6500.00} -This is not my account.

-- AUTO ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.

7. XXXX XXXX XXXX   with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (IL)

On XXXX XXXX I transferred {$350.00} from my XXXX XXXX account, to my paypal account.. the transfer completed on XXXX XXXX end ( i have documents to prove it ) but the {$350.00} never showed in my paypal balance. The money went unclaimed and that was the first time i ever saw something like that on my paypal account. I didnt know you had to wait 30 minutes or that i can go to accept the payment so i decided to hit the refund option. Well i havent saw my {$350.00} since then. It is now XXXX and i finally got a response from someone and now their back to not responding, and the customer service representatives are no help none what so ever. I have a response from XXXX XXXX  telling me if i show my XXXXXXXX XXXX statements from XXXX XXXX they will give me a reimbursement. I havent heard from him since and all of the customer service representatives just tell me its completed on their end they cant help. I just want what is mines back. Its been well over 30 days. This is unacceptable, again i have all proof of what im saying my XXXX and XXXX XXXX XXXX statements will show I didnt receive the {$350.00}.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

I reached out to the CEO of Navy Federal Credit Union XXXX XXXX regarding an error by the company that caused my credit card to be closed and charged off. XXXX forwarded the information to the resolution team. They completed their research and accepted the error therefore they agreed to remove the payments that they reported as late as well as the charge off status of the account. Upon requesting a document I found out that they did not submit the request to remove the charge off status and they only requested the late payments. The fact that they are not removing the charge off as originally informed doesnt make sense and is unethical considering the fact that an account can not go to a charge off status unless it is late and the account shouldve never been late and after they made the corrections the account doesnt have any late payments reporting therefore it shouldnt have the charge off status. I have explained this to the resolution team member and 2 managers but they are not utilizing their resources or understanding the process as they continue to try and push me to another department that already said can not assist and advised the resolution team would be the one to complete the correction. I have sent an email to XXXX XXXX several times again and there has been no contact by anyone from NFCU since XX/XX/2023. They corrected half of the problem when the entire problem needs to be corrected as they are connected and NFCU accepted responsibility for the error when they requested the late payments to be removed after the research was completed.
Consumer complaint received 2023-03-21
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)

Its been more then 30 days. in accordance wit the fair reporting act. the list of accounts below has violated my federal protection rights to privacy and confidentiality under 15 usc 1681 Account XXXXXXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, has violated my rights according to the law. 15 u.s.c.1681i procedure in case of dispute accuracy. If the completeness of accuracy of any item of information contained in a consumers file at a consumer report agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ) before the end of the 30 days period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 u.s.c 1681 section 602 A. i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states that a customer reporting agency can not furnish a count without my written instruction 15 u.s.c. 1681c ( a ) ( 5 ) states no reporting agency not make customer report containing the following items of information any other adverse items of information other then convictions of crimes witch antedates the report more then 7 years 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shell not furnish any information related to a customer to any customer reporting agency if the person knows or has any reasonable cause to believe that the information is incorrect
Consumer complaint received 2022-04-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (MA)

I received an email with my full legal name, an old address, and content stating my loan was approved for XXXX. I did NOT apply for this loan. I reached out multiple times and was told they needed additional PII to look me up in the system. In the meantime, I submitted a XXXX  complaint and noticed that many folks have reported similar situations resulting in some of them paying money to stop the harassment in collecting loan proceeds for a loan they didn't even apply for. 

I finally spoke with XXXX in management today. He mentioned this is likely identity theft. He confirmed the funds were actually sent to an old XXXX account of mine. This account has been closed for years and the funds were returned. 

Here 's my issue. This isn't identity theft. In what world would a scammer use my actual email address and an old bank account that was actually mine and is now closed. This is likely a business model choice... 

I'd like to fight this as far as I need to. I did go through a terrible time in the past ( 15 years ago? ) with a few payday loan firms and I remember the endless fees and inability to pay them down. I thought these guys were ultimately run out of business, but it seems they are still alive. 

I'd like someone to investigate the actual loan app that they approved. I asked the company to send me a copy as well. I am in banking and understand underwriting. They didn't run a personal credit score or report for me. They didn't contact my place of employment, etc. hence why I believe this scam originates within the payday lender itself or something less obvious then just run of the mill identify theft. I'm morally outraged that this firm hides behind their tribal jurisdiction and is fleecing people.
Consumer complaint received 2023-01-09
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. (TX)

Experian illegitimately assumed the role of reporting information about me. I've reach out to Experian ; in attempts to resolve their careless and reckless actions ; amicably and out of court more times than I've kept record of ; via telephone, handwritten letters and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX ). Despite me proving proof of their negligence, my commands and demands to redress this matter ; Experian purposefully continued to commit fraud. Experian unlawfully, without my consent, without providing any type of adequate notice, or without any type of authorization from me deliberately, knowingly, illegally, and willfully used my credit card ( SSN ) to furnish allege incorrect information about me. Experian committed aggravated identity theft against me. Their actions put me at risk further of identity theft. Experian also willing directly violated the XXXX XXXXXXXX XXXX XXXX XXXXXXXX, The Consumer Credit Protection Act, The Truth in Lending Act, The Fair Credit Reporting Act and The Fair Debt Collection Practices Act, The Consumer Financial Protection Act, The Fair Credit Billing Act, The Dodd-Frank Act, and The Uniform Commercial Code. Due to Experian XXXX XXXX XXXX XXXX XXXX XXXX and gXXXX XXXX XXXX. I've been denied extensions of my own credit in excess of well over {$100000.00} ( XXXX XXXX XXXX XXXX ).
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have disputed this inaccurate bankruptcy & items associated with bankruptcy since XXXX of 2020, and after each dispute the 3 credit bureaus, XXXX, XXXX, & Equifax stated that the information was verified and obtained accurate information from a third party vendor XXXX and that I should contact the vendor directly. I have contacted XXXX who sent me a response stating they are unable to locate a file sufficiently matching the data that the bureaus, XXXX, XXXX, & Equifax are reporting on my credit profile.
Consumer complaint received 2023-03-21
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)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the account below : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-03-21
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)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2018-06-16
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: Experian Information Solutions Inc. (SC)

I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with XXXX XXXX and Experian. Experian XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with XXXX XXXX that is being reported on my Experian credit report with incorrect/missing info. The accounts are listed below : XXXX XXXX ACCT and XXXX XXXX Experian Acct XXXX XXXX ACCT and XXXX XXXX Experian Acct More specifically, I am referencing the fact that you are reporting " an incorrect high balance '', " not applying my payments correctly ", " reporting old debt as new '', " an incorrect account number '', " an undated late pay '', " a missing field of 81 month account payment history '', " the wrong account type '', " an incorrect credit limit '', " a late pay after account was closed '', " an inaccurate date of last activity '', " an inaccurate date of last update '', " an inaccurate reporting date ''. There is insufficient information about my mortgage accounts that are affecting my score. I have disputed this error over 6 times with Experian and XXXX XXXX. Your improper procedures are highly damaging to my credit score, causing additional stress and preventing me from receiving the best home mortgage rates and credit cards. Please immediately update my 81 month account payment history on both XXXX XXXX Accounts and please correct the insufficient information about my mortgage accounts that are affecting my score. These accounts listed were never late and always paid as agreed from XX/XX/XXXX to present. Please update the NR on my 81 month payment history to reflect Pays As Agrees from XX/XX/XXXX to present on both XXXX XXXX Accounts. Attachments : XXXX XXXX payment history from XX/XX/XXXX- XX/XX/XXXX. The first mortgage account. This account is closed and never late payment from XX/XX/XXXX- XX/XX/XXXX. Attachments : XXXX XXXX payment history from XX/XX/XXXX- to present. The refinanced account. This account is open and never late payment from XX/XX/XXXX- to present. 
Your credit is based on your credit history and length of accounts that are paid as agreed on monthly basis. My 81 month mortgage account on both accounts does not reflect my excellent payment history from XX/XX/XXXX- XX/XX/XXXX first mortgage account in which this account is closed and XX/XX/XXXX-XX/XX/XXXX refinanced mortgage is currently open and never late.

I am making my payments on time, however I do not have any credit history on both accounts from XX/XX/XXXX- present that reflects the excellent payment history. I also have insufficient information about my mortgage accounts that is damaging my credit history.
Consumer complaint received 2023-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (VA)

On XX/XX/2023 collections account from Berlin - Wheeler inc was reported to my account for the amount of {$300.00}. The company is from XXXX XXXX  which I have no knowledge of and I never had this account. This account was open fraudulently, and it is not mine. The address provided for this account is also incorrect. I never leave at this location. I have documents, providing my current lease to prove my address. 


In accordance with the Fair Credit Reporting Act, [ C ] has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-06-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington Mortgage Company bought or took over my mortgage loan from XXXX  XXXX XXXX XXXX of 2017 and every year the mortgage has gone up. This was not a refinance and I did NOT sign paperwork this was dealt with as a business transaction between those two companies. So why is my mortgage raising yearly and it Has NEVER done this? As well my previous time paying my mortgage has disappeared and it is like I have a new 30 year loan for a home I have been in 30 years. How is this possible and where has my payments to the previous mortgage companies gone that I have NO equity carry over and no time carry over either.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I had a student loan with XXXX XXXX ( who now is navent ) back in XX/XX/XXXX account # XXXX which on my credit report it shows XXXX accounts # s XXXX in the amount of {$3500.00} and XXXX in the amount of {$2600.00} besides the accounts being XXXX old they sold the accounts back to the original debtor ( XXXX ) which in return got paid by taking my tax return back in XX/XX/XXXX, I have tried several times to dispute the information on my credit report stating their ca n't be XXXX company 's reporting the same information on my report but what they did was when the XXXX has different account numbers with the same information which is the same loan from XXXX XXXX. at this point I had my attorney send them a letter explain they can not have XXXX companies reporting the same items that XXXX XXXX would have to delete there information because XXXX was the one who collected the money from me and XXXX XXXX sold the loans back to the XXXX, I have a record of all the times I have contacted XXXX XXXX and the XXXX reporting credit agencies, I also have the letter from my attorney contacting all three agencies and the XXXX reporting companies, the XXXX credit agencies have not corrected the information have never verified the information because they are getting paid by the companies to report the information, all I want is for XXXX XXXX to remove the information from all XXXX agencies because they no longer own the accounts ant the XXXX is reporting the same info with different account numbers. XXXX account # 's XXXX and XXXX all the information is the same on all the accounts see attached documents
Consumer complaint received 2019-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I contacted the mortgage company in regards to past due balance of {$580.00} that has been applied to my loan. The mortgage company advised me that they are for some fees and charges that have been assess to my account that is causing the past due balance. I advised the mortgage company that I should not be assess any fees that appear to be paid upfront. If I'm assess fees that they should be placed on the rear of the loan. I submitted a letter disputing this invalid fees and charges and they have not rectified the issue yet. By this error occurring on my loan it is causing my loan to show past due and have an negative impact on my credit report and continue to have a property inspection ordered assessing more fees to the loan.