davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

On my Experian personal information account, Experian has not allowed me to dispute XXXX XXXX XXXX from my consumer report. I told them I just wanted to keep the name XXXX XXXX, they have purposely not given me the option to dispute online, so I called and customer service denies my option to remove the name nor the option to dispute it. Experian knows that I am the individual who is control of the account, but they still deny me. Experian claims it is to protect me but there is only one XXXX XXXX that lives in the same address as the one in my personal information. This is my consumer report and I determine what goes on my personal information and what does not. Attached to this report I have the two names on my personal information.

15usc 1681 ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers. Experian believes they are bigger than what they actually are by denying my request to dispute/remove the name XXXX XXXX XXXX 15usc1681 ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Experian assumes they can remove the online dispute option to deceive the consumers giving us no choice but to call them but instantly getting denied.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (TX)

I have noticed that there are several inaccuracies on my Equifax credit report. I tied to dispute directly with the credit bureau but they have not investigated and have not removed the information from my credit report. I have not heard back from them in more than 45 days since my last letter to them. In accordance with the Fair Credit Reporting Act this information must be removed from my credit report immediately. Equifax has violated my rights and ignored my request for a proper investigation.
Consumer complaint received 2023-05-05
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)

It is Experians duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Experian is reporting an inaccurate late payment for the XXXX XXXX account XXXX. This is a 30-day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Experian written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-05-05
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. (CA)

There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the 3 credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XX/XX/XXXX, then I followed up on XX/XX/XXXX. At that point, I sent a 3rd dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. With XXXX XXXX, this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to COVID, but apparently when the mortgage sold to XXXX, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! For the XXXX XXXX XXXX XXXX XXXX account, there are 2 late payments reporting, neither were valid either! One of them, they admitted to their system being down due to COVID and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened 2 new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. For XXXX XXXX XXXX XXXXXXXX, I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to me!
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

A 30 day late was incorrectly placed on my credit report and I have placed countless calls to XXXX XXXX  to try and rectify this error. They continue to lie and cover up their mistakes and not letting me speak to a supervisor who the customer service agents say that is the only way to fix the issue but they are never available. I've asked them to " run their tapes back for quality assurance '' but that request is also ignored. 

I have not received a statement from XXXX XXXX  as they have the incorrect address on my account. The listed address is in XXXX XXXX, Az. I do not nor have I ever lived in XXXX XXXX, Az. I did not give XXXX XXXX  that address. I have not been properly notified of any billing concerns or regular statements. Pursuant to consumer Fair reporting act 1026.5 ( b ) ( 2 ) and 5 ( b ) ( 2 ) ( i ) my rights have been violated. I am requesting immediate reversal of the improperly reported to all credit bureaus.

As the lien holder, they should know my address associated with the DMV, registration and car insurance is still in CA. My primary address which is also my DMV registered address and a home I own. NO other creditors/car loans made this mistake. ONLY XXXX XXXX. 

Per Customer Service rep on XXXX the reason XXXX XXXX changed my address was because a change of address came in on XX/XX/2021 for the household of a sold home. This is also incorrect because the home wasn't sold until XX/XX/2021. Even if that is the case, XXXX XXXX changed my account information without verifying it with me, the borrower. 

I've asked several times for a curtesy reversal/corrections as my car is now paid off with this predatory bank. The customer services agent says " no because we've left messages for you and your account has been passed due before ''. Regardless if my account has been passed due before, this filing is inaccurate and I have not received statements and therefore should be removed from all bureaus.
Consumer complaint received 2024-10-10
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. (MS)

I SENT DISPUTES IN SEVERAL WEEKS AGO. THE ACCOUNTS WERE NOT PROPERLY VERIFIED, NOT DELETED AND ARE STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. THE ACCOUNTS THAT I WAS DISPUTING WERE INACCURATE AND NOT PROPERLY VEIFIED. ( I DEMAND THAT THE ACCOUNTS BE DELETED BECAUSE THEY ARE SHOWING SEVERAL INACCURACIES IN REPORTING ON MY CONSUMER REPORT. THIS A VIOLATION OF THE FCRA, AND ALL ACCOUNTS THAT ARE NOT VERIFIED AND NOT ACCURATE MUST BE DELETED AND BLOCKED FROM MY CONSUMER REPORT IMMEDIATELY. ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ALSO HAVE AN AUTO LOAN SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY WHICH IS INACCURTAE. I HAVE NEVER LATE ON ANY PAYMENT SINCE HAVING THE LOAN. THE PAYMENTS NEED TO BE UPDATED TO NEVER LATE, OK, ON-TIME IN THE ENTIRE PAYMENT HISTORY.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Universal Technical Institute (OR)

I went to a XXXX school in AZ almost 8 years ago. At the time I was promised employment that would cover the astronomical cost of my loan. Today, I am working a barely above minimum wage job as a XXXX. While, I understand education costs, the cost of my education will in no way will be recouped from my job. The education I received did not give me a leg up, has not furthered my pay, and is outrageously expensive to what I am getting in return. I feel I was conned and now have a debt that is in surmountable for me and my family. Not to mention my mom had to also take out loans to further cover the cost of my education. Over {$50000.00} in to be an XXXX making less than {$15.00} an hour. I have tried other positions over the years just to try and make ends meet. Being a XXXX is truly what I want to be, and am finally working with a company that is " training '' me ( even after all my schooling at UTI that did not matter ).
Consumer complaint received 2017-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I noticed XXXX Credit Card today that I am unable to meet the minimum payment requirements. I had a change in income due to someone in my family losing their job. They informed me that there was nothing they could do and that they would not lower the monthly payment.
Consumer complaint received 2023-05-05
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. (IL)

The Fair Credit Reporting Act requires consumer reporting agencies to be fair and respect privacy, XXXX, XXXX, and Experian are such agencies, and I have the right to protect my private information. Financial institutions much also respect privacy and confidentiality. the agancies can only share information with my written consent. I revoke any consent given. The financial institution did not inform me of my right to withhold information. The agencies are reporting adverse information without my permission, which is illegal. 15 USC 6801 States that it is affirmative and continuing obligation to respect the privacy of its customers. Please provide proof that the payments were late. if unable to do so, update my payment history to XXXX status ( paid as agreed, never late ) and supply XXXX XXXX with a corrected credit profile. Please provide this results in the next 15 days.
Consumer complaint received 2016-04-28
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Moxley & Associates, LLC (AL)

I 'M WRITE TO ALL OF YOU AGAIN. HOLLOWAY & MOXLEY IS STILL CALLING OUR HOME AGAIN.AND THEY WANT TO LISTEN TO NOBODY.THEY NEED TO LEAVE US ALONE. I 'M SORRY I PUT MY NAME DOWN BECAUSE I DID N'T KNOW.I WROTE ALL OF YOU JUST IN A LAST MINUTE.TO HELP MY MOM.I WANT HOLLOWAY & MOXLEY QUIT CALLING OUR HOME BEFORE MY DAD WILL LET THEM HAVE IT, OR ME. YOU ALL DO SUCH A GOOD JOB.BY HELP PEOPLE DEALING WITH HARASSMENT.I WANT TO SAY THANK YOU SO MUCH.AND GOD BLESS.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TN)

I am receiving 6+ phone calls a day between the hours of XXXX and XXXX. Its harassing constantly getting phone calls when Im trying to sleep. I have asked them to stop calling so much and they completely disregard my wishes.
Consumer complaint received 2023-05-05
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. (NY)

When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. 
It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately
Consumer complaint received 2023-05-05
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 (NC)

On XX/XX/XXXX a letter was mailed to XXXX regarding improper reporting and XXXX did not respond. A complaint was submitted to the CFPB on XX/XX/XXXX regarding this issue and as of XX/XX/XXXX the matter is still open and pending. XXXX has updated all open accounts as agreed while investigation is in progress. I, the consumer, am submitting this complaint as a follow-up to the XX/XX/XXXX complaint. The closed account with Bank of America is still reporting adverse items. 
Per 15 USC 6805 CFPB must enforce all the following regulations : Per 15 USC 1681a ( 2 ) ( A ) ( i ) financial transactions by consumer are not to be reported without my permission. 
Per 15 USC 1681c no adverse item of information may be reported regarding my consumer information unless it is a conviction of a crime. 
Per 15 USC 1681n ( a ) due to willful noncompliance, I am entitled to up to XXXX US dollars Per 15 USC 1681o ( a ) due to negligent noncompliance, I am entitled to actual damages sustained as a result of failure to comply Per 15 USC 1681s ( a ) ( 2 ) ( A ) I, the consumer an entitled to not less than XXXX US dollars per violation of each willful or negligent noncompliance in a United States district court Per Privacy Act of 1974 ( 5 USC 552a ( 4 ) ( b ) I must consent to any disclosure of my records.
Consumer complaint received 2023-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

Hello, This morning ( XX/XX/XXXX ) I called Mohela to understand how any qualifying payments I have made to my student loans. I was told I have 21 years remaining ( having entered into repayment status on XX/XX/XXXX ) and have been in forbarence for all of those years, despite making payments. I strongly believe there is a discrepancy. I do not believe I have 21 years remaining and do not believe I have been in forbarence for the majority of the time. The representative transfered me to another representative who said I have 16 years remaining. I am unsure about this number as well. 


I am unable to get an answer on how many qualifying payments I've made, what changes to forbarence will be applied, and when my last payment would be made. I have also followed up with an email. 

My call was dropped when they went to transfer me to yet another representative and I did not receive a call back. 

Could you please assist with this discrepancy? 

Also, in order to change to the REPAYE program, I was told I had to make a one time payment of around {$1000.00}, which I did during COVID. I am now reading that perhaps this was not required and I should not have had to pay to move to a different repayment plan. Could you please advise?
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Hi I recently checked my credit report and realized that the following account from XXXX  XXXX XXXX XXXX is an account I did not open. This account is really hindering my credit report and in result can not get a mortgage for a house I'm trying to buy.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2023-05-05
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. (IN)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-05-05
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. (MO)

My Investigation was completely ignored, accounts DONT belong on my report. Unresolved 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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # - 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
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. (GA)

The following Hard Inquiries are not mine, or were they authorized by me. They were done fraudulently by someone else, they are also not attached to any open accounts of mine and I would like them to be removed according to the fair credit act. 
XXXX. XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2024-10-10
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. (MI)

I have been a victim of a data breach and victim of fraud and victim of identity death. The accounts listed below were never open using my consent or permissible purpose or authority. They were open using my personal private information without permissible purpose the following companies never investigated or made contact with me to validate the accuracy of these accounts Experian, XXXX, and XXXX XXXX along with the creditors are in violation of FCRA federal law, as I was never contacted to validate the accounts mentioned. And you may be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law. I have noticed an unauthorized Hard inquiry on my consumer report and would like It removed effective immediately. Here is the information that relates to this unauthorized inquiry. XXXX ( Finance ) XX/XX/year> I have never done business with XXXX XXXX XXXX and I do not have any open accounts with this corporation. Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The previously stated inquiry must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.