davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
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. (VA)

I NEVER gave any consumer reporting agency the permission to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. 

I XXXX XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 

XXXX SUBMITTED 2 FORMS OF identification Proof of address ALONG WITH FTC AFFIDAVIT ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;
Consumer complaint received 2024-08-29
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. (FL)

I received my credit report and noticed that, for the third time, a fraudulent account is appearing, I have tried before to get this deleted. It's not mine. 

I command you to delete the accounts listed below : Account Name : XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

RECEIVED NOTICE FROM PACER THE ENTITY THAT STORES US COURT DOCUMENT 'S RELATED TO COURT FILINGS... THE PUBLIC RECORD XXXX RNK HAS BEEN REMOVED AS THE UNITED STATES DISTRICT COURT ORDERED ... THIS PUBLIC RECORD SHOULD HAVE BEEN REMOVED AS DIRECTED BY UNITED STATES BANKRUPTCY COURT ... EXPERIAN HAS FAILED TO PROPERLY INVESTIGATE THIS DISPUTE...
Consumer complaint received 2022-08-19
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DP of education, 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
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2022-08-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

In early XXXX my family and I arrived in the US due to a medical emergency. My daughter got accepted to XXXX XXXX University but I did not have any money and was unemployed. Notwithstanding my financial situation, I was told by the finance office that I would be approved for a parent-student loan to cover what shortfall my daughter had for her tuition. Long story short, I am in for over {$130000.00}. I eventually found employment in XXXX and worked for XXXX XXXX for 5 1/2 years. I applied for PSLF but was denied because I was not able to pay the required minimum payments. Because of XXXX XXXX  in my job, I decided to retire in XXXX and have not been making payments in part also due to the hold issued by the government during the pandemic. My issue is that why did they approve me for a parent-student loan knowing that I had no money and was unemployed. Had I known that I would rack up this much debt, I would have either sent my daughter back to the XXXX or forced her to look for another school. I have no means to pay and I have already cashed in my 401K just to survive. What can I do about this? Thank you.
Consumer complaint received 2024-09-02
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I received an alert on my XXXX credit report from a creditor XXXX XXXX XXXX. I have never opened any account with XXXX XXXX XXXX  I went to the police station and reported my identity stolen.
Consumer complaint received 2023-12-03
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. (MD)

This private student loan was opened in XXXX and I renewed an XXXX XXXX XXXX deferment/forbearance form every year as required by XXXX XXXX, signed and certified by my school 's official. I called every time to request the form to be emailed to me, then sent the form back and followed up in a week or so to ensure it was received. My forbearance form in XXXX was no different ; I called to ensure it was received, and the female representative stated it had been applied as requested and would be good for another academic year. I thanked them. A few months later, I noticed on my credit report 2 late payments, significantly dropping my credit score. I was shocked and called XXXX XXXX. They stated they would apply the in-school deferment and did so starting XX/XX/XXXX, but never removed the incorrectly reported late payments from XXXX and XX/XX/XXXX. I also never received mail, e-mail, or phone calls telling me I had a payment due. I have repeatedly attempted to contact XXXX XXXX to no avail ; calls were escalated, I would wait on hold for hours, and eventually be told that it was a specialized department and someone would have to call me back. I never received a call back. In XX/XX/XXXX, the loan was sold to another servicer and there is apparently no one at XXXX XXXX I can speak to any longer. This is extremely frustrating and simply wrong.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I do no recognized these credit inquirys. I contacted the credit bureus to remove them but they do not remove it as I asked. Im providing an identity theft report and im requesting to remove these inquiries from my report.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica (CT)

Someone opened an account in my name and address with Comerica Bank. I received XXXX statements with a XXXX balance. Knowing I had not tried to open any bank accounts I thought it was a mistake but when I received a second statement still with a XXXX balance, I called Comerica and the rep, XXXX, told me it was opened on XX/XX/22 and closed on XX/XX/22 after they discovered it was a fraud attempt. They suggested I report the fraud incident.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Hello, I XXXX XXXX am writing to dispute inaccurate late payment entries I noticed on on my consumer report related to my Discover Card account. These late payments have been fully addressed, and the report should reflect Paid as Agreed or Paid On-Time. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Upon reviewing my consumer rights, I would like to bring to your attention specific provisions under federal law. Specifically : 1. 15 U.S. Code 1681s-2 outlines the responsibilities of furnishers of information to consumer reporting agencies. It mandates that furnishers of information are prohibited from reporting information with actual knowledge of errors ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ).

2. 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) provides exclusions, stating that consumer reports do not include information related solely to transactions or experiences between the consumer and the person making the report. The information reflected in my report consists of such transactions, and as such, it should not have been included. 

Based on these provisions, I formally request that the late payment entries be removed from my report or updated to reflect the correct payment status. In compliance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter thoroughly and correct the inaccuracies. 

Please send me written confirmation once the corrections have been made, and ensure that my consumer report is updated accordingly. I expect a response within the 30-day timeframe outlined by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

I went to the truist bank mid XX/XX/2022 to let them know that my sister 's wallet may have been taken out out the hospital. I ask them to freeze the account, then asked me to get a police report, i done that. She passed away XX/XX/2022. Truist never frozen the account so XXXX, XXXX was taken from her account After DEATH. I am the P.O.A, Beneficiary of the account and the estate of the Deceased. After funeral services I took them all documents what they ask for was death Certificate and P.O.A information. In mid XXXX of XX/XX/XXXX. I received information that I was only getting XXXX XXXX back and the other XXXX XXXX was going to be Disputed. Now truist is say the account is block. They are looking at the account because staff didn't handle properly and it only XXXX in the account now.
Consumer complaint received 2022-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for XXXX XXXX XXXX via XXXX and I was emailed back on XX/XX/XXXX by XXXX XXXX ( XXXX ) stating that they were interested in me as a candidate, then asked me to fill out some questions. After doing that, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX said that they would be giving me equipment to set up my workspace. This would be done through checks, which she sent me through email. At this point we were texting by phone ( XXXX ), and I was not given the exact amount I would be receiving, but I got an email image file of the check the next day. The check was for {$4600.00}, and signed by XXXX XXXX. I cashed this check, received the money in my bank account, and was directed to send the money to a vendor via XXXX and XXXX ( XXXX XXXX XXXX on XXXX, @ XXXX on XXXX ). I sent XXXX, divided into two payments ( one {$1900.00} and one {$1600.00} ) via XXXX, and the rest ( {$1100.00} ) via XXXX. I was then directed to cash another check, this one for {$4800.00}, but before the check could be processed, my first check was put on hold. At this point, I started to believe that this position was a scam. I interrogated who I believed to be XXXX and also XXXX XXXX, who was the recipient of another email I was given, XXXX. After questioning them on why the check bounced back, I was met with silence. They were previously very responsive when I was attempting to send payments, which was extremely suspicious, so I began the process of filing a scam report at my bank, Bank of America, XXXX, and XXXX. Upon closer inspection of the emails used by these individuals, I noticed that it did not say " XXXX  '' but instead " XXXX, '' after which I called the number provided at XXXX which is the legitimate website for the company. The customer service representative at XXXX informed me that this email was fraudulent and did not represent anyone from the actual company. 

Since I reported them to my bank, Bank of America on XX/XX/XXXX, they said they are still processing this claim. Because this check was processed by the bank, and it stated I had the funds to complete this transaction, while the check turned out to be fraudulent and a scam, I deserve to have all of my money reinstated and any overdraft fees for my account revoked.
Consumer complaint received 2024-09-02
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. ()

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 2022-08-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC (PA)

I had a roof replaced on a house recently. Financing was approved. Not pre-qualified. Not pre-approved. But approved outright. I was on the call, and so was the roofing contractor. I asked him if there was any ambiguity that I may have missed, and even HE indicated that the financing was approved outright solid. He gave me permission to include him in the complaint. XXXX XXXX from XXXX XXXX, XXXX. He indicated that you can contact him, and he will verify this. XXXX XXXX made a business decision based upon their approval, and therefore I moved forward based upon that. Lendingpoint never, ever, contacted me with any indication other than being approved. They are now not releasing the funds, and it is putting everyone in a bind. Lendingpoint acted in bad faith. I acted in good faith, and so did XXXX XXXX. Lendingpoint acted otherwise. They need to follow through on the promise that they made.
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MI)

My Credit Card was transferred from XXXX XXXX XXXXXXXX XXXX to Barclays bank XXXX in XX/XX/XXXX. I received a past due notice from Barclays Bank in XX/XX/XXXX. I have not used the old XXXX XXXX  account since summer of XXXX and I never used or activated the Barclaycard. There was a charge from XXXX on the XXXX card in XX/XX/XXXX, but I did not make this charge or purchase anything from XXXX. I called Barclays beginning of XX/XX/XXXX and I was told they would start an investigation. But I did not receive any communication from them only a bill with late fees. I called again in late XXXX and they told me they reversed the charge from XXXX and I think the interest and one late fee. I called again the first of XXXX because the charges and late fees were not reversed and I was told to wait until after the billing cycle and they would be removed, but I got another bill showing additional fees but the charge was reversed and standard purchase for XXXX was added?!!. I called them again today XX/XX/XXXX and was told I owe them {$74.00} ( unknown to me why ), so I went ahead and paid the crooks but I don't think that it is right, they are crooks to took my money when I didn't owe them anything I never even activated the card they are charging me interest and late fees on and possibly using to make purchases. What a way to make money, fake charges, they make their customers pay late fees and interest on fraudulent charges. I want this resolved and I want my money back with interest. And I don't want any late notices on my credit report so I want a new three part credit report showing I did not make late payments.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-13
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: 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 and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account, Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX 'S XXXX Account # : XXXX, has violated my rights.
Consumer complaint received 2022-08-19
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: ALLY FINANCIAL INC. (TX)

In accordance with the fair credit reporting act Ally has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Also, Ally alleged that I had one late payment out of 75 payments. However they : Reported alleged late payment to XXXX for XX/XX/XXXX for {$590.00}. 
They reported the same alleged late payment to XXXX for XX/XX/XXXX for {$590.00}. 
They reported the same alleged late payment to XXXX for XX/XX/XXXX for {$590.00}.
Consumer complaint received 2022-08-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

We purchased our Home in XX/XX/2020. Covid 19 has impacted our finances as myself lost my contract to merchandise XXXX XXXX accounts, and my wife had a reduction inhours with XXXXXXXX XXXX We fell behind on our mortgage payments during the first sale of the mortgage to XXXX XXXX XXXX  and servicer XXXX. The mortgage was then purchased by XXXX XXXX with PHH Mortgage Service as the servicer. 

We were told we were eligible for a loan modification and submitted our application and documents, despite being in communication with PHH on our struggles to comply with the program. in XXXX we were told we were denied the modification because of late submission of documents. Jump to the present and we had our monthly appointment with the PHH relationship manager. We were informed that we should not had applied to XXXX  XXXX if we sought the modification to the loan ( although it is recommended by XXXX you apply waiting on modification ). Then after his ill informed rant on the XXXX  program my wife told him that I had some questions. He informed my wife that under Texas Law he needed a written authorization to allow a third party to discuss the loan with me. That is an untrue statement as under Texas Law, as a community property state I am considered on of the borrowers because we equally own the home. The XXXX  could not tell us why our Loan Modification trial payment was {$200.00} than previously, when the original loan payment was {$1000.00}, and the first trial payment was only {$2.00} lower. PHH seems to be mishandling our Loan modification and refusing to work with us to get the modification approved.