davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
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. (GA)

I have been a victim of identity theft and i am trying to have items removed from my credit report that do not belong to me. Every year i am required by the IRS to file my taxes with a security code due to this issue. There were tax refunds issued out to certain individuals under my name which the IRS themselves made me aware of. I sent a the items that i want disputed including a legal letter from FTC to all 3 credit bureaus. Experian is stating that they did not recieve it however i have proof that the certified package was indeed recieved and signed for by their organization. It has been over a month and i havent gotten any feedback or resolutions to these items. These items are causing my credit score to drop drastically and has been the reason for me not to qualify for a home ro certain job opportunities. I need these items removed immediately.
Consumer complaint received 2024-01-19
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. (NC)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2017-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I attended college in the XX/XX/XXXXs and graduated in the year XX/XX/XXXX. My total amount of my loans topped at {$8000.00}. In the 17 years since graduation I have paid thousands towards my loans. They changed hands a couple of times finally landing in control of Navient. It was not my choice to have my loans under different lenders. Now after 17 years and trying to dispute this through my credit report without success I owe a balance of {$8500.00} which is {$590.00} more than the gross of my original loan 17 years ago. I have now been left with only the option of filing a complaint with three different agencies. I am well aware of the lawsuits files and feel I have been wronged through my student loans. I was steered wrong by both XXXX XXXX and Navient. I can not log into XXXX XXXX to see my history buy according to Navient my loan was disbursed in XX/XX/XXXX which is incorrect. It disbursed in XX/XX/XXXX and XX/XX/XXXX and completed in XX/XX/XXXX with a max of {$8000.00}.
My loan actually reached its term to be paid in full in XX/XX/XXXX. Since XX/XX/XXXX, I have paid {$4100.00}. This does not include what was paid to XXXX XXXX before this. Navient has taken every payment I have made and used it for fees or capitalized interest plus some leaving me owing {$590.00} more than my original loan. 17 YEARS LATER. This is why I stopped payment on this loan. I was getting nowhere.
Consumer complaint received 2015-12-04
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Big Picture Loans, LLC (CA)

On XXXX XXXX, 2015 Castle Payday Loans deposited {$500.00} into my checking account. This was done without any knowledge by myself as I did not apply for any loan. With any company with exception of XXXX company for several years. But never this company. The loan amount is more than what is allowed in California where I live. I live on XXXX and can not afford any loans of this amount. 
I have never received any documentation whatsoever of any kind except an email notice that a payment was due on XXXX XXXX, 2015. This email was received on XXXX XXXX or XXXX, 2015. This notice did not include any amount due, no account number, or my name. The email address that this notice was sent to is an old email address I have for a small business that is not currently in operation. 
I have closed the bank account the {$500.00} went into as that account was not used to apply for the supposed loan and therefore was fraudulently accessed and used. I also feared that the Castle Payday Loans would take payment for the loan. This concerned me as I live on limited income and the fact that I did not apply for or request any loan from this company. I am afraid to contact the company as I fear they will somehow use any communication against me.
Consumer complaint received 2022-08-15
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: CORELOGIC INC (GA)

To whom it may concern : On XX/XX/2022, an unknown entity - XXXX  ( Miscellaneous ), ran my credit without my consent. 

Please remove, this unauthorized information from my credit. 

Thanks!
Consumer complaint received 2020-07-07
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. (FL)

There is a debt collection company named XXXX XXXX that is reporting a debt that they have not validated to me to prove the account is mines. They sent me a list of charges with no contractual signature or a way for me to know the account belongs to me other than an old name and old address from years ago along with charges. This account does not prove to be mine. I want to know how is this false information being verified.
Consumer complaint received 2020-07-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (PA)

Company : Dovenmuehle Mortgage , Inc . 
Applied for COVID forbearance - Granted Paid back entire 3 month forbearance XX/XX/XXXX. 

Faxed request ( per their documentation ) to remove PMI ( Fell to 79.65 % of original value ) Denied on XX/XX/XXXX due to outstanding balance ( of which there was not as of XX/XX/XXXX ) Called and they said : ( XXXX, Supervisor ) PMI scheduled to be removed in XXXX based on ORIGINAL amortization. 
I explained I had paid ahead so ratio was below 80 %. 
Explained law to them that they were required to remove PMI ( See law below ) and they said I had to file an appeal. 
I told them they already had a valid request on file for me and should honor it. 
Bumped me to get a call in a few days to speak with another supervisor ... 
No resolution ... 

Homeowners Protection Act of 1998 : The servicer must take action to cancel PMI when the cancellation date occurs, which is when the principal balance of the loan reaches ( based on actual payments ) or is first scheduled to reach 80 percent of the original value.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2021-11-29
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS BANKRUPTCY COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy Reference XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-08-15
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)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

Since XXXX  I purchased a vehicle from XXXX and XXXX is the Creditor. I have not been able to get them to respond in a timely manner. I have sent copies of my concerns and complaints to them and the have not given me a proper response. I have found discrepancies in the Bill of Sale and Retail Sales agreements. Both parties have violated my Consumer Fair Rights, my Right to Rescind, Complaint Regarding Fraud and Misrepresentation Violation, violation of FCRA 15, code 1666b, disregard necessary steps to ensure the fair treatment of consumers in accordance with FCRA guidelines and my Request for Consumer Protections and Disclosures Under the Truth in Lending Act. I have contacted the company that associated with settling out of court as stated in the contract and no response. The vehicle is non-drivable and been under repair for two years with ongoing issues.
Consumer complaint received 2024-01-19
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-08-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XXXX BANK sold my sensitive information to PORTFOLIO RECOVERY ASSOCIATES , LLC. They failed to validate the debt. I have been disputing this alleged debt. since last year. They have not let the credit mediums know that this alleged debt has been disputed. They harassed me by making my phone ring. They have used profane language threatening to take legal action.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NC)

I applied for furniture credit on XX/XX/2020 and i was denied by Synchrony Bank Rooms To Go. They could not tell me why and I was told to wait for the letter. Prior, I received a letter from Synchrony bank stating that credit was denied for outdoor furniture due to incorrect information and I was listed as deceased. Please help.
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Billing disputes — 
Company: ENCORE CAPITAL GROUP INC. (IN)

I provided my ex with an authorized user card on my XXXX account in XXXX. In XXXX we separated, I moved home across the country contacted XXXX to cancel the authorized user card. XXXX agreed. In the spring of XXXX I was contacted by XXXX stating the account had been maxed out and delinquent. I agreed to settle and pay the balance in return for the card being closed and settled in full i payed XXXX XXXX XXXX Fast Forward to XXXX XXXX sued me was granted a judgement for the full balance and are now garnishing my wages for XXXX XXXX This is not only dishonest but appears to be interest and fees way above usery. On a card with a XXXX limit my credit report now reports a XXXX charge off, per the local court house where filed the balance due is now XXXX $ yet a garnishment of XXXX $ has been levied against my pay check causing 25 % of my after tax earnings to be stolen from me. The law firm that filed the suit is Midland funding. They refuse to answer the phone, return calls and the one time they have refused to discuss how the balance exists and has reached such a high dollar amount. On top of being unethical, and immoral is causing finacial hardship. I am able to settle but due to the first time this was paid and still now being sued am not sure that makes sense again. In addition the usury amount of the balance is concerning and seems unlawful. This non valid garnishment is negatively affecting my ability to pay living expenses and college expenses for my child. This is unfair, unjust and dishonest. Despite my effort to contact legal assistance i continue to hear this is not an isolated occurrence and that their is little of no legal recourse for a Citizen. Can you help? This seems like an UN community type thing to do to a county taxpayer especially a civil servant. Please help.
Consumer complaint received 2020-07-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX - THIS IS NOT A DUPLICATE COMPLAINT - I AM INCLUDING NOW A THIRD LETTER FROM XXXX DATED XX/XX/XXXX. THIS IS NEW AND RELEVANT INFORMATION. 

Experian continues to report the XXXX account number XXXX. They are refusing to delete this item from my credit report in spite of the fact that XXXX has requested that they delete the account from my credit report 3 times. On XX/XX/XXXX XXXX sent a request to Experian to dedele the account from my credit report. On XX/XX/XXXX XXXX sent a request to Experian to dedele the account from my credit report. On XX/XX/XXXX XXXX sent a request to Experian to dedele the account from my credit report. Experian continues to refuse to delete the XXXX account. 



XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX,  NYXX/XX/1001 XXXX
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I was in the process of getting a XXXX  from my bank. On XX/XX/XXXX I received an e-mail that advised me that I had a judgment against me in the amount of {$1700.00} from Asset Acceptance LLC that I must pay in order to get my loan. I tried to find out who or what that company was and it turn out to be a default judgment against me on XX/XX/XXXX because I missed pre-trial. I was never notified or summoned for court. When I tracked down the new company that took over Asset Acceptance LLC, Midland Credit Management Services, they said I now owe them {$4400.00} for a XXXX XXXX account that was opened in XXXX. I do never opened an account with XXXX XXXX and I have no knowledge of this debt. They said I'd have to do an affidavit ftc.gov or police report to dispute it. I went to the local police, because of the age of the debt, they need more evidence and could not file a report. I'm trying to reopen the case for the judgment against me because I was never notified and this is a fraudulent account.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TN)

Regions Bank has and still is charging OD fees and processing in such a way that it is impossible to make sense of what fee was assessed on what day and for what charge it is aligned with. This has been going on for over 5 years now it seems that once I became XXXX and in and out of hospitals with sickness it has just been an ongoing issue. 
I have been a customer of this bank since XX/XX/XXXX. I have given them multiple opportunities to resolve this behavior to no avail. They also will charge od fees on items let them sit for several days reverse said items with out issuing od reverse of said items.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I did not consent, nor authorize the reporting of this account on my credit report. This is a violation of 15 USC 1681b - Permissable purposes because it it false, and it violates my rights to privacy and fair and accurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX