davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SC Opportunity Fund LLC (GA)

Dear Admin, I am writing to formally file a complaint against The Loan Store regarding their actions concerning the mortgage loan for property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On the day of closing, scheduled for XX/XX/year>, I was informed by my closing attorneys office, a mere XXXX hours before the scheduled closing time, that The Loan Store had unexpectedly reduced their contribution to the mortgage loan by {$500.00}. This drastic change was communicated without any prior notice, explanation, or opportunity for discussion. As a result of this last-minute alteration, I was forced to write a personal check for a substantial amount to cover the shortfall of {$340.00}. This unexpected financial burden caused significant inconvenience and stress. The actions of The Loan Store represent a clear breach of good business practices. By unilaterally reducing their contribution to the mortgage loan without any prior notification or explanation, they have demonstrated a complete disregard for their customers financial well-being. I am requesting that you investigate this matter and they be held accountable. I seek a full refund of the amount I was forced to contribute due to their last-minute adjustment. 

Additionally, I believe it is imperative that The Loan Store be required to implement measures to prevent similar occurrences in the future. I have attached copies of all relevant documentation, including the closing disclosure and the personal check written to cover the shortfall. The most recent disclosures received were XXXX days prior to closing until I received a paper document at the attorney 's office. Again, this was without approval. The adjustment was for {$500.00} leaving me owing {$340.00} out of pocket. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Desired settlement : Billing adjustment
Consumer complaint received 2024-09-22
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 sent letters to XXXX telling them I did not recognize the account and asking them to verify the account or delete it off my credit report. I have already filed an FTC report for identity theft. This information is injuring me and is not accurate or verified.
Consumer complaint received 2024-09-22
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. (GA)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX & XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXXXXXX {$17000.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXXXXXX balance : {$49000.00} Balance : {$0.00} XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-22
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)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-22
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. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute for Removal of Inaccurate Information XXXX XXXX XXXX ( Account # XXXX ) Dear Sir/Madam, I am writing to formally dispute the information reported on my credit file regarding the account from XXXX XXXX XXXX, referenced above. This account is being inaccurately reported, and I am requesting its immediate and permanent removal from my credit report under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). 

Legal Basis for Dispute : FCRA Violations Inaccurate Reporting ( 15 U.S.C. 1681 ) : The FCRA requires that all information on a consumer 's credit report be accurate, complete, and verifiable. Upon reviewing the details reported by your agency, I noticed discrepancies in payment status, delinquency dates, and terms across multiple bureaus. These inaccuracies violate my rights under the FCRA. Reporting this account with errors is damaging and does not meet the standards of accuracy outlined by the law. 

TILA Violations Creditor Definition ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act, a creditor is defined as an entity to whom a debt is owed. As this account does not reflect a true debt relationship that I agreed to, and the terms provided do not comply with the required definitions under TILA, this account should not appear on my credit report. Thus, the inclusion of this account is unlawful, and I demand its removal. 

Actions Requested : Permanent Deletion of Account : Due to the inaccurate and incomplete nature of the information, I request that this account be deleted from all credit reporting agencies permanently, with no reposting of any form. This action is required to ensure compliance with the FCRA and TILA. 

Written Confirmation : Please provide written confirmation once the account has been deleted, and my credit report has been updated to reflect this correction. I expect a response within 30 days, as required by law. 

I trust you will handle this matter in accordance with the law and appreciate your prompt attention to this issue. Failure to correct this may result in further action, as permitted under the FCRA and TILA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX # XXXX - BALANCE {$6900.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Also Known As : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-22
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)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
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 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section XXXX, states I have the right to privacy, 15 USC 1681 section XXXX section XXXX, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2024-09-22
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  XXXX 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 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. Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 7 years. 15 U.S.C 1681s-2 ( A ) ( XXXX ) 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. These are Fraudulent accounts and need to be removed from my Credit Report.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I was in the rate reduction program, I was told that my ability to continue the program had come to and end. I explained I was unable to make my payments. They explain that they could not Offer me the program and I could make my regular payment of XXXX + or I could pay the interest only which was XXXX. They later reported me to the credit bureaus as more than 60 days late in XXXX of XXXX, this was also during the time the president issued a protection against student loans under XXXX. After I was reported to my credit bureaus they then offered me the program that they originally told me was unavailable. I need them to remove this from my credit report as it is damaging and causing me further hardship financially. Please look into this for me. We already know they havent been the most forthcoming or honest with there borrowers
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

I was in the rate reduction program, I was told that my ability to continue the program had come to and end. I explained I was unable to make my payments. They explain that they could not Offer me the program and I could make my regular payment of XXXX + or I could pay the interest only which was XXXX. They later reported me to the credit bureaus as more than 60 days late in XXXX of 2024, this was also during the time the president issued a protection against student loans under Covid. After I was reported to my credit bureaus they then offered me the program that they originally told me was unavailable. I need them to remove this from my credit report as it is damaging and causing me further hardship financially. Please look into this for me. We already know they havent been the most forthcoming or honest with there borrowers
Consumer complaint received 2024-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

1 ) My company matches me on my contributions to my student loans via a company called XXXX. XXXX mails out checks on my behalf to Mohela, which includes the match and my payment from my paychecks. 
When Mohela switched platforms in XXXX XXXX XXXX, Mohela entered the first payment via check that I made as part of a previous loan XXXX Direct Loan Unsubsidized that I had already paid off prior to the transfer. The check was submitted on XX/XX/year> for {$1500.00}. Because it is listed as - {$1500.00} under XXXX XXXX XXXX XXXX, the payment never was deducted from the total principal. As of XX/XX/year>, my actual principal is still incorrect. 
2 ) On my Mohela account, it states that I have four current active loans XXXX Direct Loan Unsubsidized, XXXX Direct Loan Subsidized, XXXX Direct Loan Unsubsidized, and XXXX Consolidated Unsubsidized. This is incorrect. There are only three active loans of mine : XXXX Direct Loan Subsidized, XXXX Direct Loan Unsubsidized, and XXXX Consolidated Unsubsidized. I only have three loans left to pay off. 
I called Mohela in XXXX, XXXX and XX/XX/year> to correct this error. I was informed that the staff at Mohela submitted reports and that the issue would be addressed. It has not been addressed. 
3 ) All of the checks that have been sent on my behalf since XX/XX/year> have only been applied to the XXXX XXXX - XXXX. Prior to the transition, I had my payments distributed equitably across all three loans. When I called Mohela in XXXX and XXXX, I requested for all my payments to be split between all three loans. The staff informed me that they submitted reports to have this retroactively and proactively addressed. In XX/XX/year>, I called Mohela and the staff informed me that they can not accept payment instructions over the phone. I mailed in a letter reflecting this request. As of XX/XX/year>, nothing has been fixed. My checks are still incorrectly being processed. 
I am simply trying to correctly pay off my student loans. Mohela is making it exceptionally difficult, if not impossible. I've spent hours trying to address this issue on my own and I can see it has gone nowhere. I would greatly appreciate your assistance.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/year>
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/year> i used the wellsfargo atm in XXXX utah to withdraw XXXX dollars from my checking account. I hit the option on the atm to dispense XXXX dollar i should have got XXXX XXXX dollar bills i received XXXX XXXX dollar bills me and my wife looked at each other and so I flashed the bills to the atm machine camera and pulled out of the atm drive thru called the bank to make the report explained my wife kid and I saw the machine short me. Went to a different atm to withdraw the XXXX it shorted me. Got the report back from the bank saying they are good on there end and that is all. I was not happy why would I report XXXX just to make a false claim. They should take the hit it's there equipment they are in charge they provide the service.
Consumer complaint received 2024-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Remove all inquiries on my credit report not attached to any accounts. 
Also requesting from the companies according to FCRA to pay {$1000.00} per inquiries on my report. 

XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XX/XX/XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX # XXXX - BALANCE {$6900.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX, I sent {$40000.00} from my XXXX Bank of America account to my Spanish XXXX bank account. The money was stopped by Bank of America XXXX for compliance review. I have provided all the requested information to XXXX Bank of America multiple times and even requested for esclalation of the issue. I am still waiting as its been over a month and I have no access to my money. 
Every time I call, I am asked to wait and call back in 3-5 days. 
I am unable to contact XXXX office because they dont have a customer facing representative. I get no updates other than asked to wait and call back for status.
Consumer complaint received 2023-07-29
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. (NC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as ate purpose
Consumer complaint received 2024-10-09
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX XXXX XXXX XXXX XXXX XXXX 
Requested my credit report XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act this account has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may n treat a payment on a credit XXXX account under an open end XXXX consumer credit plan as late for and purpose.
Consumer complaint received 2024-09-24
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: TRUIST FINANCIAL CORPORATION (CA)

I have unauthorized inquiries on my XXXX credit report from Truist on the following dates : XX/XX/year>, XX/XX/year> and XX/XX/year>. Someone used my social security number for personal gain.