davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
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. (GA)

EXPERIAN Has kept the same XXXX late payments on my account damaging my credit for over XXXX years, and I want XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX CARD, XXXX REMOVED FROM MY EXPERIAN CREDIT REPORT IMMEDIATELY
Consumer complaint received 2019-11-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (KS)

We entered into a loan with Bank of the West, XXXX XXXX XXXX, XXXX, NE XXXX to refinance a XXXX XXXX XXXX. We have faithfully made all our payments on-time and have often paid an additional amount using the " Additional Principal '' designation on the payment coupon. Our goal is to pay the loan off early. 

On XXXX XXXX,, 2019, during a review of our account, we noted that the bank had not directed the additional amount to principal, but had applied a portion of it to interest. We have made this additional principal for years. The coupon clearly gives the impression that Principal Only payments are accepted. And for years we have been led to believe we were getting ahead with this loan. 

When we contacted Customer Service, we were told that the bank doesn't accept Additional Principal payments, despite that designation on the payment coupon. We also were told that to make a principal only payment, we would have to submit it in a separate envelope designated " Principal Only. '' We pointed out that the website clearly indicated that we had no payments due and were up-to-date on all our obligations. We believe this bank has intentionally misled us and is in violation of our loan agreement. We believe they have applied thousands of dollars designated for Principal to Interest, in violation of our loan agreement, and the directions we were given by bank personnel. Agents refuse to discuss this issue with us, telling us we have to make a personal trip to the bank.
Consumer complaint received 2019-11-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (FL)

Sallie mae reps lie about offers to resolve your account, when you tell them to put any offer in writing they claim they cant do that .. thats not truth in lending. The reps are trained liars, they know how to break the law, without punishment,
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I am a victim of identity theft. I am writing to request that you DELETE the following Incorrect information from my credit report. 
XXXX XXXX Bankruptcy Filed XXXXXXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX
Consumer complaint received 2023-02-08
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. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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 ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
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. (MN)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2023-02-08
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 according to the Fair Credit Reporting Act XXXX act account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXXXXXX XXXX XXXX account XXXX has also. 

XXXXXXXX XXXX account number XXXX has also violated my rghts XXXX XXXX XXXX XXXXXXXX account number XXXX has alo violated my rights XXXX XXXX account number XXXX has also. 

Departmnet of Edu Account XXXX XXXX XXXX XXXX has alot the account number is XXXX XXXX USC 1681 States I have the right to privacy.

15 USC 1681 Section 602A It also states a consumer Reporting Agency can not furnish an account with out written instruction.
Consumer complaint received 2023-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I have hit the 120 payments required for public service loan forgiveness. I filed for forgiveness in the beginning of XXXX and still have not received the forgiveness. Due to the terms of the PSLF program, I am unable to leave my employment until the forgiveness is processed. Mohela has told me that they and DOE may take an additional 90-180 business days to complete the forgiveness. It is costing me better employment opportunities to be stuck in this position after I have already completed all of the necessary terms on my side to get forgiveness and have already waited two additional months for processing.
Consumer complaint received 2023-02-08
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and XXXX from 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
Consumer complaint received 2023-02-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (OK)

After sending a removal of debt request to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, I received a refusal to remove the debt from my credit report on all XXXX bureaus on XXXX XXXX. The letter stated that I had not provided enough information related to my dispute. The XXXX documents they sent me were a " move out statement '' dated XXXX. It has a list of charges adding up to the balance of {$5700.00}, and an address with the zip code of XXXX ( a postal code in XXXX, XXXX ). The other document is an Apartment Lease Contract. This document has all electronic signatures and an address with the zip code of XXXX. Both of documents are in consistent, fabricated, fraudulent, and I want this debt removed from my credit report on by Experian and XXXX. XXXX has honored the dispute of this debt, and removed it already. But I have been turned down by XXXX apartments in the last 2 years due to this fraudulent debt. I need it removed as soon as possible.
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these items ( A ). It is notpermissible to fail to validate these reporting items as unverified information without providing proofwithin the time frame specified by law. My credit report includes the following erroneous informationthat needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XX/XX/2015 ; XXXX Balance : {$18000.00} ; ONEMAIN XXXX Balance : {$13000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$990.00}.
Consumer complaint received 2023-02-08
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. (FL)

XX/XX/XXXX I filed a dispute with the Experian credit reporting agency, and I also contacted the creditor and sent all documentation that was needed to support this dispute. and the fraudulent item is still reporting on my credit report after the creditor XXXX XXXX XXXX sent me a letter stating that it was being removed. and as of XX/XX/XXXX, XXXX XXXX XXXX WAS STILL REPORTING INACURRACTE INFORMATION ON MY CREDT REPORT.AND EXPRIAN IS VIOLATING THE FAIR CREDIT REPORTING ACT SECTION 611 ( 5 ) a ) OF THE FRCA. I HAVE ASKED THEM TO SEND ALL VERIFIY DOCUMENTS WITHIN 30 DAYS AND THEY HAVE NOT APPLIED AND I HAVE ASKED TO REMOVE THE FRADLUENT IT OF MY CREDIT REPORT.
Consumer complaint received 2024-10-29
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. (FL)

The unauthorized entries on my consumer report persist despite documented disputes. These fraudulent items resulted from identity theft and were never authorized by me. Your continued reporting of this information violates the Fair Credit Reporting Act and identity theft protection laws.
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00}; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

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

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

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

15 USC 1681 Section 1681a- Definitions ; rules of construction- Exclusion. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (VA)

I contacted the company back in XXXX to close my account, and received a message saying they would take care of it. 
Starting around XX/XX/XXXX and from that point on, I have been receiving calls from them ; I was not sure why since I was told they would close my account. 
Recently I saw that my credit score changed and saw that I had missed a payment to Comenity Bank which I thought was not right since my account was closed. I started a dispute through XXXX in XXXX to figure out what was going on, but from the results, the account is still on my credit report. 
I have tried logging in to my Comenity account to see what I could do, but they have no record of me when I try to reset my password/username. 
What I am trying to figure out is if they do not have a record of me currently banking with them, why is my account apparently still " active '' and I am having to continue to make payments even though I am no longer attached to them?
Consumer complaint received 2023-02-08
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. (WI)

I had a charge off with XXXX. XXXX transferred the account to XXXX. I paid off the charge off in full on XX/XX/XXXX. XXXX said they would report to the Credit bureaus. They didn't. Experian said they can't change the status because XXXX no longer has the account and they don't contact the new account holder. 
XXXX  3x has given me 3 separate dates that they will report this to all 3 credit bureaus including that it may be several months because the are new at this. 
The Account should read charge off paid in full instead off just charge off. Thanks
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I called XX/XX/XXXX XXXX XXXX to make sure the payments and overages were being applied correctly to my account. The young man said they were and not to worry. XXXX XXXX online dashboard was not working on two different browsers. I asked for the break down of principle and interest then pay off. He assured me the payment overages were being applied properly and split between XXXX XXXX XXXX I checked my online account the next day and it showed a past due balance, when I was paid ahead. I called XXXX XXXX asking where that came from and was originally told not to worry. It was a glitch in " XXXX '' their inhouse system. That on their end she could see that my account was current. A few days later it still showed past due, I called XXXX XXXX asking what was going on and was then told an employee had made an unauthorized payment reversal for XXXX, XXXX That my account now had late fee 's and was past. I asked why and after being transferred to three different agents nobody could tell me who or why it was done. I was told " He was not authorized to do that, were working to fix it. I asked several times if this would hit my credit and informed them I was going to be making a purchase in XX/XX/XXXX that I put a non refundable deposit down. The agent told me it " absolutely would not be reported because I was not late, and they notated it on the account ''. I was told they didn't know why the agent reversed it, but it was fixed, not to worry. My future purchase would be safe. I paid off the remaining balance of the loan on time XX/XX/XXXX. In XX/XX/XXXX I was setting up financing on my previously named future purchase. We checked my credit and it shows XXXX XXXX reported me 30+ days late XX/XX/XXXX. I called XXXX XXXX and was told to hold on, and they hung up on me after opening my account ... Twice. The next day a XXXX XXXX rep told me that she could see that someone had tried to check the payment leger and reversed the payment and tried to reapply it. She said he wasnt allowed to do that, and reapplied the payment he reversed on his own doing wrong. Sending my account into a fraudulent past due status. On the recoding i have she states " Its their " XXXX XXXX 's '' fault and it should have been caught and fixed the previous times that I called. However there wasn't much they could do since it had hit my credit ( XXXX points ) Someone from XXXX XXXX would call me to explain how to fix it but it would take 45 days and I would lose my cash deposit on my future purchase because they made unauthorized changes to my previous payment. Not much other than " Yes its our fault but not much we can do now '' phone call was recorded on my end.
Consumer complaint received 2023-02-08
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. (TX)

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX I opened a prepaid/secured c/card with Bank of America, deposited {$500.00} dollars. Had excellent payment history. In XXXX, I asked the bank to cancel/close my credit card account and return my deposit. My multiple calls, emails, formal requests were ignored, my account has never been closed. I complained to the OCC 's office and Attorney General Consumer Fraud division. The Bank of America took adverse action and retaliated against. Subsequently my account was impacted by bogus, fraudulent late charges, was escalated to their collection agency, which adversly affected my credit score. In XXXX and XXXX when I was out of Country due to emergencies, the Bank of America was even contacted from overseas, I incurred long distance/international calls charges. I can prove by my phone bill my countless long distance calls made to the creditor. The bank took advantage of my absence from country due to my medical emergency and never closed nor cancelled my card. As a result of that bureaucratic runaround, scam and consumer financial fraud, my account incurred bogus late charges, with derrogatory remarks and default status, resulting in harsh impact to my credit rating. My credit score was crashed because the Bank of America took adverse action, retaliated against me in response to my formal complaint filed with the federal agencies in charge. I was denied loans or other credit cards only because of this harsh impact on my credit file, since the creditor reported my account status as negative/charge off. I retained a lawyer only for legal communication with the creditor. Upon receipt of the legal letter, I received a call from the Bank of America Executive office and was promised an immediate deletion/removal of the negative reporting from all three ( 3 ) credit reporting bureaus. I was cheated, scammed and defrauded. The same false negative/derrogatory status reappears in my credit file. As a victim of financial fraud and predatory lending, I would contact all media channels, FBI, Federal Reserve Board if your office would fail to enforce the laws and regulations to protect my rights as a consumer and victim of financial fraud by the bank. See attached legal letter.