davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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. (MI)

I have previously disputed the circled items enclosed. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. * According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. * They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ; these credit bureaus have violated my rights. * 15 U.S.C 1681 section 602 A. States I have the right to privacy. * 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions * 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. * 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. * They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate or it MUST BE DELETED IMMEDIATELY Also, all credit bureaus are showing inaccurate and erroneous personal information. I have one address, one phone number, one name ; any inaccuracies must be removed immediately as they are impacting my credit score tremendously and hindering my reputation
Consumer complaint received 2023-03-18
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. (AR)

XXXX XXXX Experian are reporting inaccurate information on my credit report about my student loans XXXX, they are reporting that I have missed payments and have late payments while I'm currently in forbearance and also COVID-19 student loan payment pause I've been disputing this inaccurate information in XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX and they have done nothing to help
Consumer complaint received 2024-10-22
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. (LA)

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision. ( FTC ) My grievance is directed towards Experian, XXXX, and XXXX for infringing upon my consumer rights by including these accounts on my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Consumer complaint received 2023-03-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

On XX/XX/2023, Experian received a Re-Investigation Letter from me ( letter attached ) asking for a re-investigation according to the Fair Credit Reporting act, 15 USC 1681i Procedure in case of disputed accuracy, for some accounts that are incomplete and inaccurate on my consumer report. Attached to my letter sent to Experian I added a copy of my drivers license, a copy of my utility bill and the last four of my social security number as proof of identity. Experian responded on XX/XX/2023, with a computer-generated email stating they would not be completing a re-investigation because they didnt think it was sent by me or authorized by me ( the email is attached ). I didnt receive a reason to why Experian didnt think it was me or what could be done for this to be fixed. According to 15 USC 1681i ( a ) ( 3 ) ( C ) I should have received : ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. 

I responded to Experian with another certified letter ( attached ) on XX/XX/2023, informing Experian of what is required under the Fair Credit Reporting Act and asked them to please contact me only by mail. I again attached the same documents, a copy of my drivers license, a copy of my utility bill and the last four digits of my social security number. Experian responded on XX/XX/2023, again with the same computer-generated email stating they would not be completing a re-investigation because they didnt think it was sent by me or authorized by me ( the email is attached ). 

My family is about to PCS ( Permanent Change of Station ) and we are trying to buy a house once we move. These errors are damaging my consumer report and Experian has committed so many violations with the inaccurate and incomplete accounts that are being reported and the violations for not completing my re-investigation. I attached a highlighted copy of an up-to-date copy of my consumer report. I would like the following accounts removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023 We are pass the 30 days that Experian were required to complete a re-investigation and the 15-day grace period for any additional evidence. I would like these accounts removed immediately according to the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-18
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. (TN)

In accordance with the Free Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-05-19
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 fraudulent activity and requesting your assistance for resolution - I have been unsuccessful and have tried numerous times disputing this with XXXX XXXX XXXX XXXX and now the credit bureaus. The XXXX XXXX XXXX XXXX loans currently show XXXX balance and permanently assigned to government but the past derogatory marks remain. I did not attend college. I am not being treated fairly and is against Fair Debt Collection Practice Act. I am led to believe they have destroyed my credit intentionally.
Consumer complaint received 2022-07-17
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. (MN)

The following accounts and credit inquiries currently listed on my Equifax, XXXX, and XXXX XXXX credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXXXXXX XXXX {$580.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, XX/XX/XXXX
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: HW Holding, Inc (CA)

To whom this may concern, XXXX XXXX Consumer Financial Protection Bureau I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX, XXXX and/or XXXX ) credit report XXXX My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. 

The XXXX XXXX - XXXX XXXX XXXX XX/XX/2022 For {$7600.00} I made a police report about this. 

Ive been at the California address pass couple years. 

Please remove this activity. Its causing a hardship.
Consumer complaint received 2024-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WI)

This is in regard to complain ID XXXX submitted on XX/XX/XXXX : " I refinanced my loan with XXXX for {$310000.00} dollars on XX/XX/XXXX. The loan amount owed at the time was {$290000.00}. I overestimated because I had been making excess payments on the loan at that time. My account balance shows- {$15000.00}, and has since XX/XX/XXXX. However, there are loans due ( according to statements ) totaling approximately {$48000.00} that I am delinquent on. There should not be any loans due as I completely refinanced the loans. I should be owed {$15000.00}. It has been 5 months and still not a peep. I have spent many hours on the phone with Mohela to no avail. They are supposedly going to send me pre-Mohela and Mohela financial transaction records. For some reason they are unable to have any accounting history of these records, which is odd, considering the large nature of these financial transactions. I spoke to a representative today that escalated the call. They are now supposedly going to look at the loans as they should have been included in the refinance. My concern was that these loans, that shouldn't exist, would just be added to my refinanced loans. She said I just had to wait and trust that Mohela would due the right thing. I told her I did not. After 2 hours of patiently and politely waiting on the phone for them to figure things out, she hung up on me. '' I was told that the US treasury had a 3 month window from when the information was sent from Mohela to the US treasury to return this overpayment of approximately {$15000.00} made on XX/XX/XXXX. It is now XX/XX/XXXX and they have still not returned the overpayment. Also, never so much as an apology for the attempted overcharge of {$48000.00} that has cost many hours of my life in dealing with this issue. I have serious doubts that I will ever be refunded for the overpayment. I will take this matter to court if the overpayment is not refunded promptly.
Consumer complaint received 2023-03-10
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-08
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. (CT)

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 15 USC 1681. 

XXXX XXXX  XXXX XXXX  Account Number # XXXX XXXX XXXX XXXX  Account Number # XXXX XXXX Account Number # XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXX XXXX  Account Number # XXXX XXXX XXXX XXXX Account Number # xxxxxxxxxxxx XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXXXXXX, XXXX Account Number # XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-16
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. (OH)

XXXX XXXX was included in my XXXX  XXXX bankruptcy, yet they are reporting an active account the account was included in XXXX XXXX filed XX/XX/2022, the vehicle was returned to XXXX XXXX XXXX giving to XXXX the sales manager took two sets of keys took pictures, he said he gave keys to sales rep, and he did noting car still sitting at XXXX XXXX dropped car at dealership XXXX XXXX
Consumer complaint received 2020-05-15
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT, THE CHARGES ON THE XXXX XXXX CARD ARE NOT MINE. I HAVE NEVER REQUESTED THIS CARD, I HAVE NEVER RECEIVED THE CARD THE CARD IS FRAUDULENT.
Consumer complaint received 2022-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

I purchased a vehicle from XXXX, come to find out the hood had no way of being opened the car jerked something terribly and the radio didnt work either. I bought the car three months and only driven it twice and its been with XXXX since. My radio was changed without me even being aware of it and within the three months theyve had Ive gotten no call email or messages in regards to my car and what changes they were making. Its also super frustrating because the key selling points on the car were changed and upon them telling me my car was ready they just wanted me to take what they were giving. They changed my radio from the original to an after marker that didnt come with XXXX backup camera was awful and now I have to speak through a mic that they put in but it wasnt what I paid for and now Ive made two payments and havent driven it and now Ive been without my car. 
Moral of the story I bought a car that features were sold with it that were later taken away without being brought to my attention. I had no say so and was basically suppose to be happy with the changes but is actually the complete opposite. I am disappointed in the fact that Ive made two payments and paying car insurance on something that I am not even using or happy with.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

I was one of many borrowers getting ready to address the payback period of the post covid student loan relief period. During my conversations with my servicer, Edfinancial Services. 

On XX/XX/XXXX, I submitted a general forbearance request online. On XX/XX/XXXX, I called in to check the status of it, since I was told this could take some time. During the XXXX call, the representative I spoke with educated me about the XXXX transition period. During that conversation, it was discussed that I would be wasting my general forbearance time, when the XXXX transition period is available to me, I could leverage that period until XX/XX/XXXX, and then apply for a general forbearance if need be. It was during that call that I made the request to go ahead and cancel my general forbearance request and leverage instead the XXXX transition period, which I did not need to apply for and would be automatically applied to my account. 

The problem came into play when I come to find out XX/XX/XXXX that my account still went into a general forbearance instead of the XXXX transition period that I discussed and verbally spoke to the prior representative I wanted to take advantage of. I called Edfinancial Services on XX/XX/XXXX to inquire what happened. The representative informed me that I was in fact on a general forbearance and that the request to cancel it was still in process. This request to cancel my general forbearance was made XX/XX/XXXX and to date, still has not been processed, 76 days ago... 

During that timeframe, the forbearance request I had submitted online on XX/XX/XXXX, that was supposed to have been canceled so I could take advantage of the XXXX program, was actually approved without my knowledge on XX/XX/XXXX, a total of 74 days. The impact to me are that : - The program I was supposed to be placed on, the XXXX Transition Period, never occurred per the conversation I had with my student loan servicer, something they confirmed would occur ; - The general forbearance I canceled in order to save that time, per my discussion with a rep from my student loan servicer, was in fact not canceled and still approved 40 days later after my call to cancel the request, and as a result, I am wasting general forbearance time that I should not have had to use due to the actions of my servicer.
Consumer complaint received 2023-03-08
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. (CA)

This is my second 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 

Account name : XXXX XXXX Acct XXXX XXXX Account name : XXXX XXXX XXXXXXXX Acct XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have a 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of ( 2 ) information items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.