davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
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. (TX)

I have dispute this same issue numerous times now and they still keep coming back with the same answer. Almost like they're not actually trying to help me. I am a victim of Identity Theft. I have sent all the supporting documents including proof of resident, SS card, Drivers License, police report, Etc. no one is trying to help me at all. The next step is to hire an attorney for both XXXX and Experian. Someone earlier this year stole my identity, used my maiden name and my ss # to obtain a student loan through XXXX to attend a school in Louisiana for {$4700.00}, a place I have never lived nor gone to school. Ive called so many times sent some much proof just to still be told it belongs to me. I went through the same thing with XXXX and XXXX, they ended up removing it after multiple investigations and complaints on my end. This is honestly causing so much XXXX then you can imagine. I cry constantly and ive lost hope that anyone will do their job properly. Ive even called the non emergency line in Louisiana in an attempt to file charges against this person. No help there. I need this removed so that I can finally be able to get a home for me and my children. This has caused so much already. I called XXXX and they told me to changed the number on the account that the person opened and other information on the account so the person originally opened it can no longer have access. And to send in this forgery application and proof of residents at the time it happened and drivers license, and ss card which I did. I don't knw what else to do. PLEASE HELP!!!
Consumer complaint received 2016-02-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Specialized Loan Servicing Holdings LLC (VA)

my equity loan from XXXX was automatically transferred to the XXXX XXXX XXXX now called Specialized Loan Servicing LLC in XXXX, CO when I declared Chapter XXXX in XXXX. The agreed upon payments were {$95.00} each month and I never missed a payment. In XXXX the agreed upon payments were $ XXXX/month and I was able to make two payments each month of {$100.00} and have never missed a payment. In XXXX XXXX I received a notice of being in behind on payments by several hundred dollars. My monthly payment inexplicably increased to {$470.00}. I called several times and no-one could explain anything except I was behind in my payments. Fees were attached and now they claim I owe XXXX. A notice to foreclose was mailed to me and notes from field inspectors have been left on my door knob. I have continued to pay {$200.00} mo
Consumer complaint received 2023-11-10
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. (NY)

I do not want this information to continue affecting me because it is in my report in a negative way. I want it to be reviewed and eliminated now. 



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 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-18
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: FC HoldCo LLC (FL)

This company obtained by credit report without my permission on XX/XX/year>. This is a violation of my identity and I would like the inquiry removed from my credit report from all three credit reporting bureaus.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-10
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. (MN)

There are multiple names and addresses that are inaccurate that I did not authorize, nor do they belong to me. Please Block and delete the following names and addresses : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. My legal government name is XXXX XXXX. The inaccurate addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX. XXXX, TN XXXX. My accurate address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2024-10-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

RE : Debt Validation and Cease-and-Desist Request Dear Portfolio Recovery Associates, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to formally request that you provide documentation validating this debt. Additionally, I request that you immediately cease and desist from all collection activities regarding this alleged debt until proper validation is provided. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor. 
Verification of the total debt amount, including a detailed breakdown of the principal, interest, and any fees. 
Documentation showing the existence of a contract or agreement between myself and the original creditor, demonstrating my obligation to pay this amount. 
Copies of all assignments or transfers of the debt, including evidence of the transfer from the original creditor to your agency. 
Proof of securitization, if the original creditor securitized the debt. 
Documentation of any transfers or assignments to secured trusts or back to the original creditor. 
Until you provide the requested information, please cease and desist from : Reporting this debt to any credit bureaus or accessing my credit report. 
Communicating further with me about this debt, except to provide the requested documentation. 
Permissible Purpose If you have accessed my credit report, please provide your permissible purpose for doing so. I dispute your right to access my credit information and request that you not take any further actions in this regard. 
Notification to Other Collectors If you transfer or sell this debt to another collector, you are required to notify them of this dispute and provide them with a copy of this letter. 
I dispute the validity of this debt. If you have already reported this debt to any credit bureaus, please ensure that the dispute is reflected on my credit report in accordance with the law. 
Please treat this letter as a formal notice to cease and desist any further collection efforts until proper validation of this debt is provided. I expect your timely response within the guidelines of the FDCPA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

RE : XXXX XXXX - XXXX I've called customer service in times past asking for notifications BEFORE my payment. Since I've called customer service I've not received notifications. As a good paying customer ( and I am ) please ensure I receive notifications prior to payment due date AND I need the billing statement prior to payment due date. This is a requirement of the creditor. If the creditor would work with me I would not have a late payment on my account.
Consumer complaint received 2016-02-05
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Background : I filed Chapter XXXX BK in XX/XX/XXXX, and Chapter XXXX in XX/XX/XXXX. The Chapter XXXX is satisfied and all payments paid ( at least 1 year paid off ). My XXXX credit score is XXXX as of XXXX/XXXX/XXXX. 

I noticed that USAA continues to report status " In Chapter XXXX Bankruptcy '' -last reported XX/XX/XXXX. Please see attached. Is that appropriate reporting? The other creditors reported it once in XX/XX/XXXX and XX/XX/XXXX respectively and has not reported monthly since then.
Consumer complaint received 2023-11-10
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CT)

I submitted an application for the XXXX last year and was initially approved at a reasonable amount, however when I logged in in XXXX in anticipation of repayment starting back up, I saw that MOHELA was now charging me around {$3000.00}. I called them, and they told me they would fix it on their end. It took XXXX months, and they finally made an adjustment, and are now showing I owe {$4000.00}. My spouse and I had an adjusted gross income of {$550000.00}. I have a family size of XXXX, and my spouse has {$310000.00} in federal student loan debt. Based on this information, my payments under XXXX are estimated to be {$1000.00}.
Consumer complaint received 2023-11-10
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. (OH)

Notice for Proof of Claim Account : -XXXX # XXXX, -XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of in debtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I received a copy of my credit report and found the following items to be reported in error. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. ACCT NAME : XXXX # XXXX. In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I've requested 3 times for Experian to remove an inaccurate address from the person info section of my credit report. They refuse to remove it and have nor provided any documentation or proof as to why it remains. Per FCRA law, info on my credit report must be accurate or deleted. This is frustrating that I continue to have an address that is not mine on my credit report and I have recently been a victim of fraud, possibly due to this incorrect address on my report. 

Address in question : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-11-10
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed {$310.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$380.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$760.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 o 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NE)

XXXX XXXX XXXX contacted me about couple of years ago and said I was owing {$900.00}. I explained to them I was not. And this {$900.00} had been put on my account by XXXX XXXX which is the company XXXX XXXX is under. Now they used XXXX XXXX instead of XXXX XXXX when it had been proven I dont owe any money to them This has affected my credit report and its very sickening. It should be deleted for all 3 credit report agencies.
Consumer complaint received 2023-11-10
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my XXXX XXXX be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: EQUIFAX, INC. (SC)

I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need your intervention. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life with my family.
Consumer complaint received 2023-11-10
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 like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-10
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX, ACCT # XXXX, is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. 

This collection, by law, MUST be DELETED from my credit report immediately.