davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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)

In accordance with the Fair Credit Reporting Act. Section 611 ( a ) ( 1 ) ( A ) Account # XXXX ( XX/XX/2022 ) 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 I have recently been informed that there is negative information reported by [ XXXX XXXX # XXXX ] in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing [ Collection accounts- XXXX XXXX was put in chargedoff {$1100.00} ] in [ XX/XX/2022 ]. 
I challenge the accuracy, compliance and reportability of this listing. Please validate this information with [ XXXX XXXX ] and provide me with copies of any documentation associated with this account, bearing my signature.
Consumer complaint received 2019-06-30
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: I.Q. DATA INTERNATIONAL, INC. (CO)

The collection agency IQ Data international has repeatedly violated my fair credit reporting rights. I have filed a identity theft report with the Federal Trade commission which I have forwarded that report to IQ Data International so that the fraudulent collection account that they're reporting on my credit reports can be removed. They have not been in compliance for fair credit reporting by continuing to ignore my identity theft report which is a legal document from the FTC. By law they are required to remove this information and they continue to report it on my credit reports. I have once again attached a copy of this report along with this complaint to be forwarded to IQ Data international and ask that they comply with my rights as an identity theft victim and my rights to fair and accurate credit reporting, this is my final attempt before taking this issue to court.
Consumer complaint received 2022-02-24
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. (PA)

To whom it may concern, My name is XXXX XXXX and I am writing to delete the following information in my file. The items that I need deleted are listed in the attached file. I am a victim of identity theft and did not make the charges reported. I asked that the items be deleted in order to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have an enclosed copy of the XXXX XXXX. Please remove the items as soon as possible. Thank you.
Consumer complaint received 2022-04-14
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. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of XXXX XXXX and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my XXXX to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions XXXX XXXX affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX  Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2017-08-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Processing Group LLC (MA)

0n XXXX XXXX 17 XXXX from XXXX XXXX XXXX called my daughter in NC, my son - law in NC, my son in XXXX, Ma and left me a message too from a restricted phone number. XXXX, told my son his co had a warrant for my ARREST and needed him to get me this urgent message. My son hung up on him. my message stated he had a summons for me to appear in court to call Law Firm XXXX XXXX XXXX XXXX XXXX at XXXX with file # XXXX ..I called the number today and spoke to a XXXX XXXX who I told my family members were harassed and that my son was told they had a warrant and my message stated they had a summons for me to appear in court? I told XXXX XXXX this co is out of line, not licensed, not following lawful, guidelines. XXXX XXXX disagreed and did n't want to listen. I have not received anything from these people and they had an old address I lived at. I asked to have info sent to my correct address and he only threatened me and said I will be receiving a summons to go to court being sued
Consumer complaint received 2022-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CO)

I have been on mortgage with PRMG ( PARAMOUNT RESIDENTIAL MORTGAGE GROUP , INC. ) Corporate office located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. 
I have not received any Tax document from them for past three years. 
I have tried numerous time to get it resolved. They have not able to give me access to my online account from the day I have been on their mortgage. No visibility on my account for all the payments I have been making. I have tried numerous times to send the statements they have not provided any to me till date.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NV)

CitiBank XXXX XXXX Thank You Rewards Redemption ( cash back program ) On XX/XX/2022 I requested from Citi that my Thank you points ( {$320.00} ) be sent to me by check. Four weeks went by and I haven't received the check so I called XXXX asking about the check. They claimed to have sent the check. So I asked for the outstanding check to be canceled and have another check issued. They agreed. Another 4 weeks went by and I hadn't received the check. I called and was told that the check was returned! LOL I asked for the points ( {$320.00} ) to be returned to my account. On XX/XX/202 I received an email indicating that my points were returned to my account. Several days later, I then tried to redeem those points ( {$320.00} ) by having Citi deposit them to my checking account that they have on file. As of XX/XX/2022, my {$320.00} have not been deposited to my checking account. The points were returned and then deleted from my account. WHY? Are they trying to wear me out? Are they hoping I forget? They have a contracted obligation to honor my my Thank You points. Four months have passed since requesting payment of my Rewards Points!
Consumer complaint received 2022-08-29
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 am a human being. I am a living human being. I have rights under 15 USC 1681. 

XXXX XXXX and Experian is govern by 15 USC 1681. And the fair credit reporting act. They have violated my rights numerous of times. I demand the following accounts be removed from my credit reports XXXX XXXXXXXX bank acct # XXXXXXXX XXXX XXXXXXXX bank acct # XXXXXXXX XXXX acct # XXXX THE FOLLOWING ADDRESSES NEED TO BE REMOVED ALSO XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX THE FOLLOWING PHONE NUMBERS NEED TO BE DELETED OF MY REPORTS TOO XXXX XXXX The following INQUIRIES need to be deleted off my credit reports too XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A . States I have the right to privacy 15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I have recently started the application process to receive a mortgage relief grant through the XXXX XXXX XXXX  XXXX. However, I have been informed that my application can not be processed because XXXX is not currently participating in the program. 

According to program requirements, mortgage relief funds granted to qualified homeowners would be sent straight to their servicer to pay off delinquent payments. If a servicer is not participating in the program, the applicant is not eligible to receive these funds. 

I believe I meet the qualifications for the program and have all the necessary information ready to submit. However, without XXXX 's participation, this process can not be completed, and my mortgage will remain delinquent. I would like to request that XXXX contact the XXXX XXXX XXXXXXXX XXXX and sign up to participate so that I and many others can get their mortgage delinquencies caught up.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

After DECADES of pristine credit history -- no late payments, paid off multiple student loans, mortgage, cars, etc with ZERO late payments, the following happened to me : My credit score suddenly dropped 179 points for no apparent reason. No dark web, no credit fraud, no wild spending. All three major credit reporting agencies told me that the problem is that... essentially I don't have any debt. I paid off my mortgage in XXXX, literally have no outstanding debt. ( Because I, well, don't believe in carrying debt unnecessarily. Go figure. ) Right now I have one open credit card with a {$10000.00} limit and a credit history of 17 years. NO late payments. Ever. My personal assets are significant. I dropped from 797 to 618 In response to XXXX 's suggestion, I tried to open three different credit cards on their website after being directed on their website to credit cards that were " matched '' to my situation. All three turned me down. Guess what? Three hard credit checks, dropped my score further. 

I have had a meeting with a vice president of consumer services at my credit union. All of the professionals I have consulted ( who have access to my credit history and my financial date ) are baffled. The only recourse ( I have been told ) is to open more credit. And I can't. Because more attempts to open credit are not guaranteed success, and this will further harm my history. This feels -- -like FRAUD. Under what circumstances is this a reasonable action to be taken against a consumer who is a near-ideal credit risk??
Consumer complaint received 2022-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AZ)

According to the STIPULATED CONSENT JUDGMENT signed on XX/XX/XXXX under page 49 of Appendix A of the settlement qualifications I believe I am entitled to have my private loans discharged for predatory lending practices due to having a credit score below 640 at the time of origination. This is in reference to the Navient settlement vs various AGs ' please see below : SUPERIOR COURT OF ARIZONA IN XXXX XXXX STATE OF ARIZONA, ex rel. XXXX XXXX, Attorney General, Plaintiff, v.

NAVIENT CORPORATION, NAVIENT SOLUTIONS , LLC, PIONEER CREDIT RECOVERY , INC., and XXXX XXXX XXXX, " Category 3 Criteria : Non-traditional Any non-traditional private education loan with an outstanding balance and in Past Due Status as of the Debt Relief Forgiveness Date disbursed by SLM Corporation lenders, subsidiaries, predecessors, successors, and/or affiliates after XXXX. 
Non-traditional as used herein means a private education loan disbursed ( 1 ) to a borrower with a XXXX score below 670 at origination to attend a private for-profit educational institution; or ( 2 ) to a borrower with a XXXX  score below 640 at origination to attend a public or a private not-for-profit educational institution. '' I have been attempting since XX/XX/XXXX to receive my credit score information from Navient with no success. I reached out via email on XX/XX/XXXX requesting the promissory notes and loan origination paperwork which I believed would have my credit score on it. 

After receiving a packet in the mail that did not have what I requested, I escalated my complaints via email dated XX/XX/XXXX and also XX/XX/XXXX. I also called into Navient in XXXX and the representative stated he would escalate the request. 

I called in again on XX/XX/XXXX and requested again the credit score report showing my credit scores from XXXX when these loans originated. I still have not received what I requested. I called in again today XX/XX/XXXX and the representative told me it was escalated last week but still had no resolution. 

I am looking for a copy of the credit score that Salliemae pulled on my behalf when these loans originated. My scores were below 640 as I had to have a cosigner on these loans. 

I have attached the copies of my emails and the lawsuit appendix A for review. I believe Navient is deliberately concealing this important credit score consumer information that applies to predatory borrower victims like myself who attended public college as a means to avoid further financial loss to those who do qualify in the terms of the settlement agreement.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (MN)

Key bank opened a checking account on XX/XX/22 with a {$50.00} deposit on my credit card. The next day Key Bank removed my access to the account stating that I need to visit a bank branch in person to regain access to my account. The nearest Key Bank branch is over XXXX miles from my house and I have no method to visit a branch in person. If there were account security concerns the bank should have told me before opening the account. 

I asked the bank to close my account and refund my {$50.00} credit card charge. The account was opened less than XXXX before I encountered the problem. Key Bank refused to close the account unless I visited a bank branch and said I would incur an early account closure fee. The Customer Support Manager I talked to on the phone, XXXX, hung up on me when I asked how to spell her name for this complaint.
Consumer complaint received 2017-08-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SERVICELINK LOSS MITIGATION SERVICES (MI)

XXXX XXXX, by way of SeriveLink, LLC, recorded an unsigned, unverifiable, QuitClaim Deed in error, falsely, misrepresented, in XXXX XXXX XXXX of Deeds. As the Secured Party Creditors, and the holders of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX XXXX XXXX XXXX, their alleged claims and/or requests prejudice my rights, titles, and interests in regard to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. For me to provide them with a remedy, I conditionally accept their offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof that the property is acquired by a new entity, 2. VERIFIABLE Proof of a copy of your lease ( even if expired ) or any other proof of your right to occupy the property, 3. VERIFIABLE Proof that the property in which I reside has been foreclosed, and 4. VERIFIABLE Proof of Proof of any security deposit paid and/or copies of cancelled checks or other proof that shows payment ( s ). 
5. VERIFIABLE Proof of any rent/lease payments and any other correspondence related to my occupancy of the property. 
6. VERIFIABLE Proof that a contract exist with any of the said parties.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I have been trying to fix my problems with the agencies for a long time and because they have continued to misreport information I am now having to take the legal route. Over and over again the agencies have constantly and continuously reported false information and items without knowledge of their correctness or my permission, so I am now having to take accelerated action.
Consumer complaint received 2023-09-16
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. (NY)

I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.
Consumer complaint received 2022-08-29
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've ask Experian to dispute an account by name of XXXX XXXX. The account is been open past 7 years and also paid. They refused to follow the status of limitations.
Consumer complaint received 2022-08-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Big Picture Loans, LLC (OH)

I've asked Big Picture Loans to stop contacting me on XX/XX/2022. Not only have they continued to contact me, they are calling me at unusual hours as defined by the Fair Debt Collection Practices Act. 

Big Picture Loans has contacted me by phone call on XX/XX/2022 at XXXXXXXX XXXX EST ; XX/XX/2022 at XXXXXXXX XXXX EST ; and XX/XX/2022 at XXXXXXXX XXXX EST ; XX/XX/2022 at XXXXXXXX XXXX EST XX/XX/2022 at XXXXXXXX XXXX EST ; XX/XX/2022 at XXXXXXXX XXXX EST ; and again on XX/XX/2022 at XXXXXXXX XXXX EST, and identified the debt collector as Big Picture Loans. I believe there are more, but this is all that I have written down. I understand these calls are meant to intimidate and harass me.
Consumer complaint received 2022-08-29
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. (IL)

Experian is reporting a fraudulent account on my credit report XXXX XXXX XXXX they keep ignoring me and will not remove it they are violating my rights please help. 
attached is a copy of the fraudulent account. it needs to be deleted asap
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I XXXX XXXX has Incorrect personal Information is showing on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 

Remove Names Transunion XXXX, XXXX XXXX XXXX XXXX Remove Names And addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX It has been over 30 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX 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 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 without my written instructions