davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
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. (TN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-15
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)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account listed in document.

Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2023-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (SD)

XX/XX/XXXX - Message sent via Mohela 's internal message system XX/XX/XXXX - Message sent via Mohela 's internal message system XX/XX/XXXX - Message sent via Mohela 's internal message sysstem XX/XX/XXXX - Message sent via Mohela 's internal message system XX/XX/XXXX - Discovered studentaid.gov incorrectly shows in school XX/XX/XXXX - correct information - graduated XXXX started XX/XX/XXXXXXXX  A telephone call to studentaid.gov said to call Mohela XXXX Two telephone calls with Mohela. Reps name XXXX. She spoke to supervisor and was told " bringing it up with management '' and to give them XXXX days XX/XX/XXXX - Another message via Mohela 's internal message sysem XX/XX/XXXX Discovered there is a reconsideration process/application at studentaid.gov for incorrect payment count. I am missing 5 years of payments toward the count. Not once did Mohela or studentaid.gov mention this. 
XX/XX/XXXX - Message sent via Mohela 's internal message system asking why I was not informed of reconsideration process/application after almost a year of attempting to get help XX/XX/XXXX - Mohela replies apologizing and NOW they mention the reconsideration process after I finally found it myself and questioned why I was not told sooner
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am beyond frustrated with the way your bureau has handled my identity theft case. I have done everything by the book with disputing these accounts, yet your bureau continues to make absurd claims that the documents Ive submitted are not valid. I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies, but I refuse to let Experian get away with their incompetence any longer. Ive contacted the bank in regards to this matter, and they claimed its been resolved. Ive contacted the law enforcement agency and filed a report and affidavit, and they have confirmed that my identity theft report is valid. And lastly, Ive contacted the credit reporting agencies. The two other credit bureaus have removed the accounts per legal requirement, but your bureau feels Im not following all the steps. This is unacceptable. I demand that the Consumer Financial Protection Bureau ( CFPB ) look closely at this case and hold Experian accountable for their actions. I have filed my identity theft report with a law enforcement agency, and identitytheft.gov is a federal law enforcement agency. There is no excuse for your bureau 's incompetence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. For the record, I am the person submitting this complaint. I have not hired a third party, nor is anyone helping me. I demand that this matter is handled with a sense of urgency. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its causing a great deal of strain in my work and personal lives. I am literally losing my mind because I have no other recourse.
Consumer complaint received 2024-01-15
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I opened a checking account with Bank of America to set up direct deposit for my unemployment checks since D.O.L doesnt honor online banks to deposit funds into,2 days after I opened up my account I seen that there was a second checking account opened up under my name that I never authorized or opened up myself, I brought this to their attention and the canceled my debit card and froze my account without any warning to me whatsoever, they had me travel to 4 different branches to verify my identity and was told 4 different stories why I couldnt access my funds, finally over 3 weeks later I received a new debit card but still can not access my funds that were deposited on XX/XX/XXXX, I was finally able to access my funds the XXXX or XXXX week in XX/XX/XXXX and withdrew money and left XXXX $ in my account, that was the last time I was allowed to access my account, they told me they force closed my account because of fraudulent activity and kept the balance of XXXX $ from my account, there was nothing illegal or fraudulent going on, I had my paycheck from my previous job getting direct deposited into that account and that was all, they never mailed me any paperwork from my last complaint nor did they ever contact me, matter of fact they deleted me entirely to where I couldnt call customer service and speak with them bout my account since there was no phone number on file to which they could send me a code and that would let them gain access to my information one I read back the code, they ignored me completely since then, I would like my money back that they stole of me plus whatever punishment that can be handed down to them cuz me not being able to get that money that was first deposited in XXXX caused me to break my written agreement with my landlord that I had for payment of back rent and was evicted from my apartment along with my XXXX kids
Consumer complaint received 2024-01-15
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)

To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account listed in document Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2024-01-15
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. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2023 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (CA)

LexisNexis continues to report incorrect information. Under federal law data furnishers are required to report 100 % accuracy. To clear up any confusion my name is XXXX XXXX there should be no other names or name variations listed or this would be concerned identity theft because I am not known by any other names. My only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX any other address is incorrect. For your convenience I have attached my identification and proof of my residence so beforehand sending a stall letter will further escalate this situation.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (CA)

LexisNexis continues to report incorrect information. Under federal law data furnishers are required to report 100 % accuracy. To clear up any confusion my name is XXXX XXXX there should be no other names or name variations listed or this would be concerned identity theft because I am not known by any other names. My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX any other address is incorrect. For your convenience I have attached my identification and proof of my residence so beforehand sending a stall letter will further escalate this situation.
Consumer complaint received 2024-04-09
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (CA)

CREDIT MGMT is alleging I owe a debt but they have provided me with no evidence that this is indeed true. This is a third party to the an agreement I made with another company that they have no authority to collect for XXXX because I read over their articles of incorporation and did not see this company listed as involved in the companys business practices and I have received no summons from a competent court stating they have permission to collect this debt
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Automated Collection Services, Inc. (CA)

AUTOMTD COLL Is alleging I owe them a debt I do not. I have received no notice of my right to dispute this debt before the information was sold to XXXX in an attempt to force me to pay a debt that I do not legally owe. I retrieved XXXX XXXX XXXX XXXX business incorporation that they have on file with the state and it did not state in their business practices that AUTOMTD COLL would be collection for them. This is required to do business in the state. So under who authority are they acting on? I would like the documents to prove that AUTOMTD COLL is a part of the company either with its bylaws or articles of incorporation.
Consumer complaint received 2024-01-15
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. (CA)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$160.00} XXXX  XXXX Balance : {$800.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX  XXXX Balance : {$800.00}
Consumer complaint received 2024-01-15
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Forster & Garbus LLP (NY)

This is a complaint relating to Forster & Garbus ( FG ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ). Our Stipulation Agreement, attached with my complaint, will show it was executed in XX/XX/2018. Since my first payment, per our agreement, I haven't received a breakdown of what the balance is and what I've already paid. Not one! I don't know how my payments are being handled/recorded and what my outstanding balance looks like on either of their books. FG acts as attorneys to XXXX but FG is predominantly a collections agency ( with AWFULLY DREADFUL public reviews and practices, I might add ) that never answers or returns my repeated calls. I have no faith in them and am not sure what my next step is. I'd like to finally settle this once and for all but with whom : FG or XXXX? Who is ultimately collecting on my payments?
Consumer complaint received 2024-04-12
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc. (CA)

US DEPT ED Is alleging I owe a debt. US DEPT ED Is actually using my promissory note as the security which is being used to trade for profits. Not reporting these transactions is securities fraud and tax invasion. As the registered owner of the security I should be entitled the proceeds but US DEPT ED has not given me a return on my investment. They are also listed on the US stock exchange with this same information listed for public reviewing.
Consumer complaint received 2020-08-21
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. (GA)

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Consumer complaint received 2020-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Consumer complaint received 2017-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NH)

American Express cardholder for many years. I have a {$3000.00} limit and used this card as 1 of many. In the process of new job and moving I incurred a couple late fees of a few days which I paid. I then find out they jacked my interest rate to 29.9 % and my monthly payment was getting me nowhere. At any time in my life I never not paid my credit card bills. I tried to resolve this with them and they were pretty obstinate, so I have cancelled my account, but felt I needed to complain about the unfair gouging they have done to me.
Consumer complaint received 2024-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX placed an alleged debt collection onto my consumer report without sending proper notice to dispute before it was added. Since Transunion, XXXX, and XXXX are required to furnish accurate information they were also required to send out a notice for me to opt out or verify this information.
Consumer complaint received 2024-02-14
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX placed an alleged debt collection onto my consumer report without sending proper notice to dispute before it was added. Since XXXX, XXXX, and Equifax are required to furnish accurate information they were also required to send out a notice for me to opt out or verify this information.
Consumer complaint received 2024-02-14
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. (GA)

XXXX XXXX, XXXX, and Experian continue to report an allege debt that I do not owe. Before reporting this debt each company was required by federal law to send a notice for me to opt and and dispute this information before adding it to my consumer report.