davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian continues to report inaccurate information. The account listed as XXXX XXXX XXXX XXXX has been XXXX and is now considered income per the IRS publication and can not be reported. 

This account must be deleted immediately. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) 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 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian continues to report inaccurate information. The account listed as XXXX XXXX XXXX NA has been XXXX and is now considered income per the IRS publication and can not be reported. 

This account must be deleted immediately. 

XXXX5 U.S. Code 1681- Congressional findings and statement of purpose ( a ) 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 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (PA)

I have a loan with ARC mortgage. I make my payments on time every month. For the month of XXXX I made my payment on XX/XX/XXXX through online banking with my bank. They received and cashed the  check from my bank on XXXX. They never put the payment to my account. This has happen 11 times in the past 2 years. I pride my self on my high credit score any they are putting this in jeopardy, because someone is not doing their job over there. As of XX/XX/20 this still has not been resolved. Attached is the cashed check for the month of XXXX. Also attached is my payment history with my loan showing all the times they XXXX  up on my payments.
Consumer complaint received 2023-09-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (OR)

Midland Credit Management is calling every day. I have notified the collector to " cease and desist '' repeatedly. I have not had a bad debt since XXXX. I have worked hard to rebuild my credit rating. This is in violation of federal fair debt collection practices act. And this is well beyond the State of Oregon 7-year collection period. 
The collector will not let me speak and talks loud over my voice. I have tried to communicate. But this is harassment.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX and XXXX is reporting incorrectly on my consumer report. Per FDCPA its your responsibility to make sure all information you report is correct. These XXXX accounts are in direct violation and so is the consumer reporting agency. I received a 1099C Cancellation of debt on both of these accounts and per the IRS publication it is now considered income and income isn't reported on the consumer report. You will find the attached forms.
Consumer complaint received 2019-05-23
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: EQUIFAX, INC. (CA)

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-09-11
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. (NY)

there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 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 the 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! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE INQUIRIES IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately.

PLEASE AND THANK YOU.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have called XXXX XXXX and XXXX XXXX XXXX several times to figure out what is going on regarding missed payments for a XXXX automobile. The only missed payment that should have been reported was for XX/XX/XXXX, which was then paid in XX/XX/XXXX. Around XX/XX/XXXX, missing payments from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  were reported to the 3 credit bureaus. Both XXXX XXXX and XXXX XXXX XXXX are saying they do not report missing payments to the credit bureaus, but neither will give me something in writing stating same. I have even asked for logs of the missing payments, but no one will respond. I can not get a copy of the signed lease agreement or financing documents. XXXX XXXX XXXX refuses to acknowledge in-writing that the vehicle 's whereabouts are known to them, they just refuse to get the vehicle. Overall, this is very fraudulent behavior- especially given that XXXX XXXX was willing to settle and close the lease agreement after the XX/XX/XXXX payment was made.
Consumer complaint received 2023-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

I have been working at a qualifying employer from XX/XX/XXXXXXXX  continuously, last certified in XX/XX/XXXX. My loans were in repayment the entire time. I should have credit for all months between XX/XX/XXXXXXXX  and XX/XX/XXXX. Mohela has deemed the following payments as ineligible : XXXX XXXX XXXX. With the one time adjustment, these payments should count towards PSLF.
Consumer complaint received 2023-09-11
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)

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXXBalance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}
Consumer complaint received 2023-09-11
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. (NJ)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, PR XXXX.
Consumer complaint received 2020-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (IL)

In XX/XX/2020 I contacted IQ Data in regards to an collection on my credit report. I contacted the collection agency and informed them that I had no recollection of signing a lease. I moved into the property as a roomate and not a leasor and I know to my knowledge I would have never signed such an obligation. I requested the company to send a copy of the lease in question and I did not see any signature on the actual document but instead an attatched list of electronic signatures i did not recognize as my signature nor do not recognize the IP address. I immediately filed a police report to document the incident. I also have proof I was not living in the property at the time the lease was signed and ended. I only lived there periodically and temporarily. I would like this item to be removed from my credit report on the count of Identity fraud and failure to produce adequate evidence. the signature does not match the signature on my drivers license therefore It is a fraudulent and voidable contract.
Consumer complaint received 2019-03-25
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: RateGenius Loan Services Inc (PA)

I purchased a new XXXX XXXX through an XXXX dealership on XX/XX/XXXX. The vehicle was financed through XXXX XXXX XXXX at a higher interest rate than I would have preferred but due to the rebate ( {$1000.00} ), the financing had to be with them. However, the condition of the loan permitted refinancing after 90 days. On XX/XX/XXXX, I received a pre-approved loan offer from a XXXX   and rateGenius to refinance my vehicle from 5.56 % to 2.247 %. I immediately submitted a loan application to refinance the loan on the vehicle. The loan was quickly approved. I provided them with the documentation which they required to the loan process. Suddenly, there was a 1 % increase in the interest rate which was still a reduction when compared to the existing auto loan. I consented. I had to have documents notarized, insurance verification submitted, along with a checklist of additional items. Finally, I was told to submit ( 2 ) years of Federal Tax Returns. I found this to be questionable because this has never been a requirement during the 40 years in which I've purchased new vehicles. When I questioned the reasoning for requesting my tax returns, I was told it was not necessary but they wanted me to consent to yet another credit report. I objected because this would have been the 2nd obtained by them, and, added to the one originally obtained by XXXX XXXX XXXX, there would have been a total of three ( 3 ) credit reports secured by lenders within a six ( 6 ) month period. Invariably, this action would have had an adverse effect on my credit and resulted in reducing my  credit score. I then wrote to both the President and CEO of XXXX and to rateGenius to express my displeasure with their lending policy. Following my correspondence to XXXX, I was sent a letter from rateGenius stating that they were unable to find a lender that could provide a lower rate and therefore my loan request could not be granted. They went on to say, " This may not be due to your credit rating ; in fact, it may be that you already had a good interest rate and we could not find a lower rate. '' They stated that my credit score is " XXXX. '' Additionally, they list four ( 4 ) factors which adversely affected my credit score. All four ( 4 ) factors are false and a total fabrication of the truth. I have since written again to them along with XXXX to contest and appeal the rejection letter and the adverse factors which effects my credit score.
Consumer complaint received 2023-09-11
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. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/2023
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC (IL)

I constantly am getting calls from Receivables Management Partners LLC after asking this debt collector to stop calling my phone. I have blocked their number from calling my phone and still receive voicemails. One time I called they told me " well you will have to deal with this on your credit '' and disconnected the call from me. Today I called and asked why are they still calling me leaving voicemails and they said " I am disconnecting the call ''. This is frustrating and it's harassment.
Consumer complaint received 2023-09-11
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. (TX)

I am writing to file a formal complaint regarding the multiple unsuccessful attempts I have made to correct late open accounts on my credit reports with Experian and XXXX. Despite my persistent efforts to rectify this issue, these inaccuracies remain unresolved, and they are significantly impacting my creditworthiness and financial standing. 

I have identified the following accounts on my credit reports with Experian and XXXX that continue to be inaccurately reported as late openings : 1. XXXX XXXX XXXX XXXX Balance : {$4700.00} ; 2. XXXX XXXX XXXX XXXX Balance : {$4600.00}. 


I have previously disputed these inaccuracies through the established dispute resolution process, providing supporting documentation and explanations that clearly demonstrate that these accounts were opened on time and have been in good standing. 

Despite my efforts, I have not received any meaningful response or resolution from Experian and XXXX. The late open accounts remain unchanged on my credit reports, negatively affecting my credit score and my ability to secure new credit. 

I kindly request that you investigate the continued inaccuracies in reporting the opening dates of these accounts and take the necessary steps to correct them in both Experian and XXXX credit reports. 

Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and confirm the corrections made in both Experian and XXXX credit reports. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. 

Maintaining accurate credit reports is of paramount importance in determining my financial stability and credibility. I am deeply frustrated by the prolonged and unresolved nature of this issue and urge you to prioritize its resolution.
Consumer complaint received 2019-03-25
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One did not respond to my request to provide competent evidence that bears my signature that I authorized them to review my credit repost nor did they provide proof they contacted me on the number listed on the extended Fraud Alert on my credit report.

Capital One claims an auto dealership gave them permission. There were three other financial institution that also checked my credit report at the same time. They have completed their investigation and concluded it was a " fraudulent inquiry. '' The other financial institutions and car dealership have taken steps to remove the inquiry from my report.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I disputed my credit report and I found the following items that are reporting incorrectly on my credit report. I was never late on the following items : XXXX XXXX : - 30 days late reporting on Experian and XXXX - 60 days late reporting on Experian GA XXXX XXXX - 30 days late reporting on ( XXXX, XXXX, and Experian ) XXXX XXXX - 30 days late reporting on ( XXXX and XXXX ) XXXX - 30 days late reporting on ( XXXX, XXXX, and Experian ) - 60 days late reporting on ( Experian and XXXX )
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my numerous 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, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX  XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX , XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.