davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-04
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. (MS)

XXXX XXXX Closed onXX/XX/XXXX XXXX  XXXX Closed on XX/XX/ XXXX  XXXX XXXX  Closed on XX/XX/. Fraudulent account an shouldn't be on my credit report they do not belong to me they where open fraudulent there fraud accounts
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for inaccurate and inconsistent reporting of my accounts across multiple credit reporting agencies. Specifically, there are discrepancies between the information reported on my Experian and XXXX credit reports that violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Inaccuracies in Reporting : XXXX XXXX XXXX : Experian : My credit report shows that this account is listed as an active collection account with a balance of {$620.00}, as of XX/XX/year>. 

XXXX : The same account is reported as closed, with the same balance of {$620.00} as of XX/XX/year>. 

XXXX XXXX XXXX : Experian : This account is reported as an active collection account with a balance of {$430.00}, as of XX/XX/year>. 

XXXX : This account is also reported as closed with the same balance as of XX/XX/year>. 

Violations of the Fair Credit Reporting Act ( FCRA ) : According to the FCRA, specifically under 623 ( a ) ( 1 ) ( A ), furnishers of information ( such as XXXX XXXX XXXX and XXXX XXXX XXXX ) are required to provide accurate and consistent information to all credit reporting agencies. The discrepancies between my Experian and XXXX reports indicate a violation of this provision. 

Furthermore, under 611 ( a ) ( 1 ) ( A ), as a consumer, I am entitled to dispute any inaccurate information reported to credit reporting agencies. Despite raising disputes, the information remains inconsistent and inaccurate, which negatively impacts my creditworthiness. 

Desired Resolution : I request that the CFPB take immediate action to address these violations and ensure that XXXX XXXX XXXX and XXXX XXXX XXXX : Correct the inaccurate information on my credit reports across all credit reporting agencies, specifically Experian and XXXX Provide me with compensation for the harm caused by these inaccuracies, as allowed under 616 and 617 of the FCRA, which provide for damages in cases of willful or negligent noncompliance. 

Remove the erroneous collection accounts from my credit reports entirely due to the false and misleading information provided.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I transferred {$500.00} from XXXX Bank of America XXXX XXXX ( XXXX payment ) account on BOA app to my XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX  ), which was never received. I put a claim in with both Bank of America and my XXXX XXXX XXXX XXXX. The XXXX XXXX XXXXXXXX XXXX stated they never received the transfer and that they needed a trace transfer ID number that Bank of America was never able to provide me. The claim was denied twice by Bank of America stating that the transaction was completed with no additional information stated. I spoke to over XXXX representatives over XXXX hours of time invested since XX/XX/XXXX, and still was not able to get an answer. This was not a point-of-sale or a ATM withdrawal. This was a bank to bank transfer. It has been almost a month and they still have not resolve this issue. I even sent them a copy of my bank statement to prove the money was not deposited. The last XXXX was on XX/XX/23. 

Therefore, Im filing a complain PS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  which is why I answered yet to the below question.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

I applied with the Department of Education to switch from the PAYE IDR plan to the SAVE IDR plan on XX/XX/2023 via their online system ( see IncomeDrivenRepaymentApplication.pdf ). MOHELA confirmed they received the documents on XX/XX/2023 ( see MOHELA cancelled IDR app XXXX ). As repayment is quickly approaching, I wanted to check the status of my IDR application, so I called MOHELA on XX/XX/2023 at approx. XXXX XXXX. The automated system told me that I would receive an update on my pending IDR application within 14 business days. On the morning of XX/XX/XXXX, I received an email letting me know I had correspondence in my online account ( see Correspondence Processing Delay ). Upon logging in, I was able to view the new correspondence, which was actually a letter dated XX/XX/2023 stating that my request would take an additional 90 business days to process ( see XXXX MOHELA Letter.pdf ). I was particularly concerns about this because the Department of Education website stated " [ i ] f you apply for an IDR plan ( such as the SAVE Plan ) this summer, your application will be processed in time for your first payment due date '' ( see SAVE Repayment Plan Offers Lower Monthly Loan Payments | Federal Student Aid ). Being on the SAVE plan is critical to me because it would drop my previous monthly rate from {$220.00} ( see XXXX XXXX XXXX XXXX XXXX ) to approx. {$210.00} per month ( see Student Aid Calculator XXXX XXXX ). Wanting to check my IDR application status further, the MOHELA website indicated that my IDR application was cancelled when logging in on XX/XX/2023 ( see MOHELA cancelled IDR app XXXX ). Concerned about this, I called MOHELA on XX/XX/2023 at approx. XXXX am XXXX. After approx. 30 minutes on hold, I spoke with XXXX who was extremely helpful and told me that the website appeared to be showing an inaccurate status and that my IDR application was actually accepted and my payment should be approx. {$210.00} per month and that I would see this take effect for my XX/XX/2023 payment. Unfortunately, he also informed me it will take 3 business days for me to see anything different in my account. Given the discrepancies between what I can see and what XXXX can see, I would like written confirmation sent via my online account that I am a ) currently on the SAVE plan and b ) expected to only pay {$210.00} per month at this time.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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 2024-09-03
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-01
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. (TX)

Accounts listed on my consumer report are associated with identity theft. I never gave written consent, including an original signature, for these to be added. I've previously reached out to your organization concerning this issue. I now formally urge you to swiftly block and delete these accounts from my report. Their presence, misrepresenting my credit history, has inflicted emotional and financial harm. Failure to address this matter may compel me to seek legal remedies. These erroneous entries have directly impacted my financial aspirations, including home ownership and fulfilling my family 's needs.
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 — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC (FL)

Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 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 insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
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: EQUIFAX, INC. (PA)

Hello, XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2022-10-14
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have reached to the point where I dont expect too much from you now because you continued to report this fraudulent information in my file though I have sent over the documents needed to justify my concern about being an identity theft victim. I dont believe that you there at Experian have no time to tackle or review my complaints and Im sure you have seen my FTC and Police report Ive sent. So my question again is, why are you letting my complaint pass? Dont you know you have caused me so much stress since youre still reporting this damaging record on my credit file? I talked to the companies and they told me they approved of deleting the accounts from my file. Common! Be responsible and abide by the FCRA Law! 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (MA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Please include both Capital One and XXXX XXXX in this complaint with your department. I have applied for a credit limit increase with both Capital One and XXXX XXXX. I have been denied a credit limit increase by both Capital One and XXXX XXXX. Capital One most recent denial was XX/XX/XXXX, XXXX XXXX XXXX does not have an option to request a credit limit increase online but have denied me when I asked over a phone call. I do not recall the dates I requested a credit limit increase and I did not receive an adverse action notice for their decision to deny me. The representative said they do not offer higher limits than what my accounts already have. If they used my social security account number on the application then my credit limits should not be restricted. Both companies compelled me to disclose my social security account number which allowed me access to my own credit but they have refused to increase my credit limits per my requests to do so. Refusing me a credit limit increase is an adverse action according to 15 USC 1681a ( k ) ( 1 ) ( B ) ( iv ) ( II ) of the Fair Credit Reporting act which states it is adverse to the interests of the consumer. XXXX XXXX and Capital One have violated my right to privacy by making reports of what should be my private accounts and transactions without giving me an option to opt out of such reports. This is a violation of both the Fair Credit Reporting Act and the Gram Leach Bliley Act. They have reported negative remarks to the bigger consumer reporting agencies which have caused me several adverse actions over time. They have caused my score to drop many times because I do not carry balances or because I do not incur debt often enough or because I have made a couple of late payments which is rare. I did not consent to them reporting any information much less any adverse remarks to any consumer reporting agencies. My transactions would not be public information had they made proper disclosures of my rights or had they had respect for my privacy. XXXX XXXX has placed an additional fee for adding an authorized user. I should not be charged to allow my wife access to my credit. All transactions I make with these corporations are for personal, household or family purposes only. I do not use my credit cards for any other purpose.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX Account # XXXX Has failed to correct and report proper payment status and balance of this account to my detriment. XXXX XXXX XX/XX/XXXX as well as XXXX, XXXX, and XX/XX/XXXX they have failed to fully report the status and balance of this account. Omitting this information has resulted in positive payment History creditors dropping me from making any withdrawals as these omissions are reporting as unknown and presumed as missed payments. I have settled this account with XXXX XXXX and they continue to report incomplete information. After settling this account they reported this account with a new major delinquency XX/XX/XXXX to the credit bureaus after agreeing to report the account as Paid/Settled Charge Off this creditor is spiteful and unjust even after I elected to settle the account in good faith. Even now they will not report the original balance, the date closed, past due amount which should say {$0.00}, or date of last activity. I have been told by XXXX XXXX that the new reports would be correct and after disputing with the bureaus they refuse in an effort to harm my odds of homeownership or favorable credit scores they have failed to report accurate and complete information numerous times please delete this account from all bureaus.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

CFPB Complaint against Credit Reporting Agencies : XXXX XXXX, XXXX : XXXX ; XXXX : XX/XX/XXXX. The CFPB complaint has been filed to request pursuant to FRCA 605B ( U.S.C. 1681c-2 ) that you, Equifax, XXXX, XXXX XXXX reporting agency , block/remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent, inaccurate, and false information accounts are as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (TX)

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 3 credit bureaus was dated XX/XX/year> 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