davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MI)

Recently. Did a investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX code XXXX XXXX ( b ) accuracy of report whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX ( XXXX ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information dispute by consumer, an item of the information-is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XX/XX/2024 amount XXXX
Consumer complaint received 2024-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (WA)

Contacted Ed Financial 3 times. XX/XX/year> is when the request was made to receive statement records of all payments made to the student loans. The loans were transferred from XXXX and I wanted records showing Ed Financial has a record of all the payments that were made. 

I was given a service level agreement time of 26 days to process. I still have not received any communication, email or standard mail regarding this matter.
Consumer complaint received 2024-10-18
Product: Debt collection — Private student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unisa, Inc (TX)

I am constantly receiving emails stating a owe a debt from the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). There multiple loans taken out while XXXX XXXX XXXX XXXX XXXX XXXX, so I should not be owing anyone. I have sent multiple letters out to this debt collector to delete this debt from my credit report but I am not getting a response.
Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Dealership FORGED my signature in an authorization from the car loan so they can sign in my behalf which I never give any authorization to do that. They did a contract with the bank WITHOUT MY CONSENT and AUTHORIZATION and all the information in the contract is wrong NAME, ADDRESS, PHONE NUMBER and the BUYER is not even in the contract. I have been trying to fix this with the lender and dealership but nobody helps me and dealerhip refuses to give me any documents or information they always says they sent the documents by mail but how we are going to receive documents if they did everything wrong. And I make a report with the police because dealership refuses to give documents REPORT ON : XX/XX/XXXX  ( XXXX  ) I want to cancel a contract that I never agree and that I never signed. Also, Lender refuses to help me even though I made a formal complaint with them, they said they can not cancel the contract, I try to fix this problem because the person who is the BUYER is other person. The same day when I explain to the Lender that I never signed any authorization they repossed the car without investigate. Now, they are sending me letter saying I have to pay for a car they will send to an actuion. I report them with XXXX  thinking they will help me but they did not... I really need help please ..... I listed the documents from # XXXX to XXXX # you can read it easily
Consumer complaint received 2024-07-27
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. (FL)

I discovered unauthorized accounts on my credit report during a recent review. Kindly remove these fraudulent entries, as they are obstructing my ability to obtain credit. These accounts are unfamiliar to me. 

Name : XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$5100.00} Name : XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2024-11-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (FL)

I purchased a beagle and was advised I could put the rest of the purchase on Easy Pay Loan. I thought the interest was 29 %. I paid a down payment and when I checked by bills months after paying XXXX EASY PAY FINANCE is charging a usurious 199 % interest for the loan for XXXX XXXX XXXX  I left a down payment for the dog and when I got my financing hardly anything was applied by the XXXX. I have been paying for the dog since XXXX {$110.00} bi-weekly. I bought the dog because my husband 's beagle is older and to keep my XXXX XXXX company. I had no idea that I would be paying almost {$230.00} a month for two years. I was told a year and I would finish paying the balance which was a little over {$1000.00}. 

This company is abusing people that want to purchase a dog and lying to them to boot. I I should have paid the pet already and I still owe almost {$900.00} with no end in sight.
Consumer complaint received 2024-09-23
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2024-10-19
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Resurgent Capital Services L.P. (TX)

The amount that the debt collector says I own to them is {$950.00}. I have never taken out a loan with this company. They are spreading false information. I have sent multiple letters on my behalf to delete this false information before legal actions is taken and I have not seen a change in my credit report.
Consumer complaint received 2024-07-27
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. (FL)

I have submitted multiple disputes to XXXX, experian, and transunion. They have gone unanswered and the errors on my report are still there. I keep getting a letter back saying im not the one sending them in. I am personally sending them in so I do not understand. Please assist me and getting my credit report fixed.
Consumer complaint received 2024-09-23
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. (NC)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-09-23
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

I consolidated my student loans in XXXX of XXXX. Due to policies at the time, all loans included in the consolidation would receive the qualifying payment counts of whichever loan has the highest count. This would make me eligible for full forgiveness. I would have applied for consolidation sooner except I was repeatedly told by both Mohela and FSA that my counts would reset to XXXX. This was completely inaccurate. In XX/XX/XXXX, two of the consolidated loans were processed for forgiveness. This left me with two hanging loans. After being given the run around repeatedly. I submitted another PSLF form in XX/XX/XXXX and it was processed XX/XX/XXXX. My counts were then accurately updated to 131 qualifying payments on the remaining loans. Despite this, I am still waiting processing of my forgiveness. In the meantime both FSA and Mohela have refused to put my account on administrative forbearance as it should be. Instead I had to apply for a general forbearance to stop the over {$1500.00} a month payments! I have reached out to FSA multiple times and have been given conflicting information. Once being told nothing is being done on my account and I would have to submit a new PSLF form to be considered for forgiveness. Later the same day I called back and was told submitting a new form would delay forgiveness and I should NOT do this. They tell me that forgiveness can take 90-120 days after counts update to >120. It has now been nearly 7 months! I am at 131 qualifying payments. 
This has been too long. If I was behind on payments there would be no delay in them contacting me for payment. Yet after over 6 months no one can even tell me the correct action, if any, I need to finally complete this process. This is unacceptable but I refuse to stop fighting for what I have rightfully earned.
Consumer complaint received 2024-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NJ)

As in the prior complaint in XXXX about the increase in mortgage payment to {$790.00} after the escrow analysis showed a surplus in my escrow balance, Shellpoint Mortgage company has again increased my mortgage payment to {$820.00}. 

The XXXX XXXX escrow analysis documentation reports an escrow shortage of {$540.00}. 

On XXXX XXXX : My current escrow balance documentation shows a surplus balance of {$310.00}. 

On XXXX, I contacted the tax collector s office. I spoke with XXXX. She stated the following : For XXXX : Property tax- {$4700.00} For XXXX : Property tax- {$5000.00} For XXXX : Property tax- {$2500.00} for the first 2 quarters as this is the preliminary estimate of the tax rate and assessment which is the property tax information that the city has provided Shellpoint Mortgage company. 

XXXX agrees that the amount that Shellpoint Mortgage company has increased my mortgage payments last year and this year has been excessive.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. These collection account is reporting not only as OPEN, but also shows a past due balance of {$380.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
ACCOUNT XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I m disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-27
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 



Account XXXX : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-05-21
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)

I am writing to dispute the fraudulent account currently appearing on my credit report. Despite providing the required documentation to the Federal Trade Commission ( FTC ) as requested, this account is still listed on my report which I had previously sent request to dispute this account XXXX XXXX XXXX XXXX XXXX 

I have contacted the creditors associated with this account, and they have acknowledged the fraudulent nature of this account and assured me they would be removed. I have also provided the necessary documentation to support my claim. Additionally, XXXX and XXXX have already removed this account, and I expect you to do the same. 

I demand that this fraudulent account be removed from my credit report immediately. The creditors have agreed to remove it, and it is unacceptable that they continue to be reported. Thank you for your prompt attention to this matter. I expect a resolution within 30 days, as required by the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-05-21
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. (CA)

I recently received my credit report and found that this item is still reported negatively in my file. 
I have already contacted the bank, and they agreed to update this account as closed/never late. This disputed item must be reinvestigated and updated within 30 days. 
Please investigate this matter and correct the outlined items as soon as possible. XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to dispute the fraudulent account currently appearing on my credit report. Despite providing the required documentation to the Federal Trade Commission ( FTC ) as requested, this account is still listed on my report which I had previously sent request to dispute this account : XXXX XXXX XXXX XXXXXXXX. 

I have contacted the creditors associated with this account, and they have acknowledged the fraudulent nature of this account and assured me they would be removed. I have also provided the necessary documentation to support my claim. Additionally, XXXX and XXXX have already removed this account, and I expect you to do the same. 

I demand that this fraudulent account be removed from my credit report immediately. The creditors have agreed to remove it, and it is unacceptable that they continue to be reported. Thank you for your prompt attention to this matter. I expect a resolution within 30 days, as required by the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-04-15
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)

I am formally disputing and requesting the prompt removal of fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission and also filed a Police Report on my local police department. Additionally, I have reached out to the bank associated with the fraudulent account. 

XXXXXXXX XXXX XXXX XXXXXXXX. 

I am not playing games I genuinely believe I am a victim of identity theft. I have provided you with all the evidence like my FTC report and you are suggesting that I made a mistake or lied? Seriously? I need you to reconsider and ensure accuracy this time. Other credit bureaus like XXXX and XXXX have already removed the account from their records due to the inaccuracy of the account, and Im wondering why youre still reporting this account? 

If you need more information, please ask directly. Do not hide behind complex language and confusing explanations. I want this resolved quickly, and I mean immediately. If you still refuse to listen, at the very least, honor my request and add the statement of continued dispute to my credit report, as I requested. I refuse to give up, and I expect you to step up and correct the mess you've made of my credit report.