davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Urgent : Incorrect Credit Reporting and Loan Modification Issues I am writing to formally address several issues regarding my loan account with XXXX, which have led to significant negative impacts on my credit report. 

In XX/XX/year>, I entered into a forbearance plan with XXXX due to financial hardship, which was approved on XX/XX/year>. At the time, my loan was current, and I was assured that while in forbearance, my account would be reported as current. The forbearance was for a XXXX period, followed by a three-month trial payment plan before a modification was to be finalized. 

I made payments for XXXX and XXXX to ensure that no late payments would be reported. I also submitted the notarized loan modification documents via your online portal to accept the modification, which was to convert the XXXX months ' worth of payments into a partial deed claim to be settled at the end of the loan term. 

To my shock, when I logged into my account to make the final trial payment in XXXX, I saw an outstanding balance of over {$11000.00}, which included all payments due since XXXX. This was unexpected as I was under the impression that I was current and in the process of completing the modification. I paid as much as I could immediately and subsequently received a notice claiming that the loan modification was declined by me, which is inaccurate. I had submitted the required documents to accept the modification. 

In an effort to resolve the issue, I withdrew funds from my XXXX ( k ) and paid the full balance due from XXXX to XXXX. Despite this, my credit report now shows severe negative marks, including 60 days late in XXXX, 120 days late in XXXX, and 90 days late in XXXX. This is in direct contradiction to the assurance given at the start of the forbearance that my credit status would remain current. 

I believe this situation is the result of misinformation and an unfair practice on the part of XXXX. I would not have entered the forbearance if I had known my credit would be adversely affected. I respectfully request that my credit file be corrected to accurately reflect the current status of my account, with no late payments reported. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-06-09
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 U.S.C 1681. 

XXXX XXXX  XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-21
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. (CA)

XXXX XXXX, XXXX, XXXX and XXXX bank all have either incorrect payment histories, incorrect payment amounts owed and due, also incorrect account status listings.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Without my written consent, Capital One has been furnishing negative information to my consumer report as means of coercing me to pay an alleged debt of {$710.00} and further extort me and cause harm to my credit reputation. Capital One has been furnishing nonpublic personal information to my consumer report/file and is in direct violation of 15 USC 6801. Furnishing late payments without my consent is a direct violation of 15 USC 1681-S2. Pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is a fact ; I have never given Capital One any written instructions to furnish any information to my consumer report. Capital One has violated 15 USC 1666 and closed my credit card account without validating or verifying any of the alleged missed or late payments ; which are in fact billing errors. Capital One has failed to clarify or correct these billing errors. Capital One has violated 18 U.S. Code 894, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. It is a fact ; Capital One has chosen to punish me for nonrepayment of this extension of credit by closing my account. Capital One is not in compliance with 15 USC 1692e. Capital One has been sending me false and misleading bills/statements in a positive amount knowing that a person can not make a payment on a positive balance. The alleged amount due or past due should appear in the negative, to show when credits have been posted in the positive amount bringing the total due amount to zero further reflecting a XXXX balance owed.
Consumer complaint received 2022-12-01
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Retail Merchants Associates (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2022-06-09
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: EQUIFAX, INC. (ND)

I have been working with a mortgage lender to get pre approval. They were not able to pull my Equifax report citing a No hit after calling Equifax customer service they said it was a problem with a fraud block when none exisitedI sent in the required paperwork XXXX weeks ago and they repeatedly state they have not received it. I have made repeated calls and they insist that there is no reason why my lender can not pull my report yet my lender can not gain access. Calling customers service has not solved the problem. All I get is the same generic script saying I need to send in documentation that verifies already correctly stated information on my report. The lack of solutions is impacting my ability to access credit, and adversely impacting my life by not allowing me to access housing. The lack of care shown by equifax has been disheartening and if this issue is not resolved by the soon I will have no choice but to seek legal remedies.
Consumer complaint received 2022-09-13
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-10-30
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: Experian Information Solutions Inc. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NJ)

I feel completely cheated for disregarding my complaint and sending too many letters about this account. I understand that as a federally protected consumer, you have no legal standing and are unable to retain legal counsel. A lawyer versus a legally protected customer.
Consumer complaint received 2024-08-28
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. ()

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-12-01
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Equity Auto Finance, Inc. (FL)

On XX/XX/XXXX, I obtained possession of a vehicle from XXXX XXXX sales that was alleged to be financed by Equity Auto Finance IncXXXX XXXX XXXX XXXX XXXX informed me that a Down Payment was required in the amount of {$10000.00} in order for me to take the vehicle off the lot after Equity XXXX XXXX XXXX already approved me for the Auto Loan on XX/XX/XXXX. 
On XX/XX/XXXX, I found out that both XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to provide me with disclosures that informed me of my rights to rescind my signature from the contract that I entered, and as a result, I proceeded to Rescind my signature from the Installment contract sending Equity Auto Finance Inc. the NOTICE OF RIGHT OF RESCISSION dated XX/XX/XXXX, holding Certified Mail # XXXX. Equity Auto Finance received the Notice and they signed for the Notice, however, they failed to respond and acknowledge as requested within the Notice. Also, included was an affidavit that Equity failed to rebut and thereby silence agreed to all stated within my Affidavit sent to them dated XX/XX/XXXX. 
After receiving my Rescission and failing to respond to it, Equity Auto Finance Inc then Reported to the XXXX XXXX XXXX that the Account was closed on XX/XX/XXXX, and reported that a balance was owed. Thereafter each month equity has reported late payments, a balance, and that the account is closed. This information is inaccurate, fraudulent, and damaging to my consumer report and it violated the law. I wrote to Equity Auto Finance on XX/XX/XXXX, regarding their inaccurate reporting and demanding that it be removed equity received it on XX/XX/XXXX, however they failed to remove it and cont to report. I exercised my rights in good faith and Equity Auto Finance decided to take adverse action against me as a result.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have not had an updated credit report since XX/XX/year> i get errors saying Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. or that I dont have enough info for credit report which I know is wrong. Ive even tried to update my new address and still nothing Ive cont aged them several times and they act like they dont know whats going on Ive even sent them documents of my new adddesss and identity verification still no credit report. Ive tried applying for credit cards and they pull XXXX and Im denied because they say they arent able to pull my credit report from experian
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-06-09
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-09
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: EQUIFAX, INC. (CA)

In accordance to the Fair Credit Reporting Act the following creditors and/or collectors have committed violations -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 XXXX15USC 1681 SECTION 602A states I have a right to privacy ***15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report I am disappointed because of these information still can be seen in there. I feel like I'm being taken advantage of for being ignored by my disputes. I'd informed you so many times that these items are apparently inaccurate and incorrect.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. XXXX ] XXXX XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX  XXXX  ( Regulation V )
Consumer complaint received 2024-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

My loans should be on an interest-free forbearance, but Mohela continues to send me bills and interest continues to accrue. On XX/XX/year>, after several months of my filing complaints with the CFPB and XXXX, I finally received an email from Mohela that they would be fixing the problem. The email stated that they would be updating my account to reflect the 0 % interest rate and removing the interest that has wrongly accrued so far. ( See email attached. ) Then, 10 days later on XX/XX/year>, Mohela sent me a bill saying that I owe $ XXXX on a standard repayment plan starting XX/XX/year>. ( My previous monthly payment was $ XXXX on the XXXX plan. ) I would like Mohela to follow through on what they promised in the XX/XX/year> email : XXXX. Please correct my account to show that I am on an interest-free forbearance with no payment due. XXXX. Remove the wrongly accrued interest. XXXX. Stop sending me bills while the XXXX litigation is pending. Thank you. Some additional background : I was on the XXXX plan with a {$0.00} payment until I consolidated in XXXX. When I consolidated, Mohela mistakenly removed me from XXXX. They were still in the process of fixing this error and putting me back on XXXX when the court ruling halted everything. ( On XX/XX/XXXX, they said it would take XXXX business days to put me back on XXXX. On XX/XX/XXXX, they said it would take another 90 days. In any case, they had not yet fixed it when the court ruling happened. Which is why I was not automatically granted the interest-free forbearance and have been fighting to get on it ever since. )
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act the following companies have committed some violations .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX *15USC 1681 Section 602A states I have a right to privacy *15USC 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction