davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
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. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 2023-09-01
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. (PA)

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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I, XXXX XXXX XXXX XXXX, was impacted " by the Louisiana DMV Data Breach '' that made World News, impacting all Louisiana residents such as myself. The account and inquiries I have listed are attached with my FTC Report result from Identity Theft, which I'm a victim of. I have no accounts with the companies listed and would like them removed from reflecting on my current credit report. These are inaccuracies resulting from identity theft I have no knowledge of. 

Accounts and inquiries that are not mine are listed below, XXXX XXXX/ XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-04
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)

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. 

Account Name : XXXX Account Number : XXXX =================================== UNAUTHORIZED INQUIRIES PLEASE DELETE ASAP! 


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 =================================== 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

XXXX Small charges made to credit card by unknown firm then XXXX $ XXXX charges from same source. I filed a complaint and and asked if there was another name behind the initial the XXXX charges. The bank could not answer that question so they asked me to call the phone # which no one answered so I searched the XXXX # and found it number used by scammers and originated in XXXX. Then another XXXX charges appeared on the credit card and I restated I didn't know any firm by the name charging my credit card. I then received email " Cancellation Notification '' from another source by a different name that stated my subscription status has been recently updated and any ongoing or all future charge have been cancelled as per your request. '' Must have received sample back and notice product wasn't wanted. 

Bank sending payment requests while I sent all the info and no response to certified letter with document and emails telling them they had data /documents to review. I notice on my phone XXXX XXXX XXXX has been calling XXXX times a day but not leaving a message on the answering machine also have received several statement past due notices. In XXXX email I notified the bank I owe nothing but they owe me about {$450.00} to cancel all the charges plus the {$200.00} payment I made while waiting on their response to my correspondence. I consider the bank to be partaking in credit card fraud by not properly investigating the fraud claim and intend to file a XXXX  XXXX with the FBI with a criminal charge complaint of actively participating in a fraud scam. Not enough room to detail the XXXX page letter sent the bank with pages of documentation.
Consumer complaint received 2020-06-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (CA)

I have recently checked my credit report with XXXX XXXX, and XXXX  and discovered that BMW Financial Services reported 30, 60, 90 days past due as of XXXX, XXXX, and XX/XX/2019. My credit report 's true and accurate creditworthiness has been damaged by BMW 's wrong reporting. I never had a single 30 days late payment on my BMW account since I leased my car. I've tried to resolve this issue many times in the last 8 months but BMW Financial Services does not act accordingly. I called BMW Financial Services and talked to different representatives who have verified that my account has never been late for 30 days. I've officially asked from BMW Financial Services to provide me with any kind of letter stating that I was never late on this account for the  months of XXXX, XXXX, and XXXX of 2019. I also asked to report that information to the credit bureau agencies : XXXX XXXX, and XXXX. But BMW Financial Services refused to resolve this problem.
Consumer complaint received 2023-11-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (PA)

I called Mohela on XXXX to request options for a lower monthly payment. They informed me that there was nothing they could do for me, but gave me a phone number to call ( XXXX ) to apply for loan consolidation and lower my payment. 

I called the above number and spoke to XXXX XXXX XXXX. They told me that there was a way to consolidate my loans and have {$70000.00} of my debt " forgiven ''. They also said I was able to lower my monthly payment from {$1300.00} to just over {$300.00}. 

They had me sign some forms electronically while I was on the phone with them and also asked for my XXXX password so they could log in on my behalf. 

Afterwards, I found out this was a scam, and that Mohela gets a kickback for all the referrals they send to them ( it's all over the internet ). When having my solicitor read over the paperwork, XXXX XXXX XXXX slipped in that they charge {$3700.00} for this " consolidation '' service, which can be completed for free on the XXXX website. This fee was also never discussed during the phone call. 

In short, Mohela should never have referred me to XXXX. XXXX should be held responsible for not disclosing all of the terms of the contract, including the fee. Both of these companies are doing an incredible disservice to the millions of student loan borrowers who are desperate to pay back their loans in an affordable manner.
Consumer complaint received 2023-11-04
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. (IL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$81.00} ; XXXX  XXXX Balance : {$480.00} ; XXXX XXXX : {$16000.00} ; XXXX  XXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$110000.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$35000.00}.
Consumer complaint received 2023-09-01
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. (LA)

I, XXXX XXXX XXXX XXXX, was impacted " by the Louisiana DMV Data Breach '' that made World News, impacting all Louisiana residents such as myself. The account and inquiries I have listed are attached with my FTC Report result from Identity Theft, which I'm a victim of. I have no accounts with the companies listed and would like them removed from reflecting on my current credit report. These are inaccuracies resulting from identity theft I have no knowledge of. 

Accounts and inquiries that are not mine are listed below, XXXX XXXX/ XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-04
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)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 a account without my written instructions. 
Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-04
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. (GA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$24.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$800.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$270.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-04
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. (NJ)

To Whom It May Concern, I am writing to assert my formal dispute concerning the dissemination of inaccurate information to Experian, subsequently appearing on my credit report. The impugned information pertains to an individual bearing the identical name, XXXX XXXX. It is imperative to elucidate that this association does not accurately correspond to my legal identity, and I unequivocally disavow any affiliation with the appellation XXXX XXXX. My disavowal is substantiated through the rigorous verification of my legal identity via official documents, including, but not limited to, my valid driver 's license, unimpeachable birth certificate, and authenticated social security card. These irrefutable documents collectively corroborate my legal nomenclature as not being XXXX XXXX. This egregious inconsistency contravenes the stipulations of the Fair Credit Reporting Act ( FCRA ). 
The erroneous entries subject to this dispute are delineated as follows : Account Name : XXXX XXXX Account Number : XXXX Pursuant to the FCRA, and more specifically 15 U.S. Code 1681e, it is unequivocally enunciated that " no person shall ... 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 '' ( 15 U.S.C. 1681e ( e ) ). It is palpable that the information concomitant to the aforementioned accounts is patently inaccurate and manifestly incongruent with my authentic financial profile. 
I stand prepared and willing to facilitate the prompt resolution of this grievance by providing verification of my identity through a secure and established channel. However, I must emphatically assert my reluctance to disseminate, electronically or otherwise, confidential documents containing my personal identity due to well-founded concerns regarding privacy and information security. This issue carries considerable gravity as it has given rise to an onerous predicament in which my credit report accommodates extraneous entries that hold no nexus with my financial history. This incongruity has precipitated not only severe pecuniary ramifications but has also precipitated impediments in securing approvals for essential financial endeavors, notably my aspiration to procure a residence. 
It is incumbent upon me to accentuate that should the aforesaid discrepancy persist unabated, I shall be compelled to assert my rights as a consumer with resolute determination. I am fully cognizant of the statutory prerogatives that enshrine my entitlement to an accurate and unblemished credit report, and I shall not hesitate to avail myself of the remedies and recourses at my disposal.
Consumer complaint received 2023-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: LDF Holdings, LLC (NH)

I subscribe to Identity Force protection services and received an alert that there was a new short term loan inquiry from Lender Name : XXXX XXXX XXXX  Lender Phone : XXXX Date Of Activity : XX/XX/2023 XXXXXXXX XXXX  Loan Type : Payday Loan Last 4 SSN : XXXX Alert Type : New Short Term Loan Inquiry Address 1 : XXXX XXXX XXXX Address 2 : LenderAddress2 City : XXXX XXXX XXXX Zip : XXXX State : WI I did not apply for a payday loan and I have never heard of this company. We called them and asked how they received my information and they told us I didn't exist in their system.
Consumer complaint received 2023-09-01
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-08-27
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: EQUIFAX, INC. (FL)

I am writing to disputed account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTIN TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, HARD INQUIRIES XXXX XXXX XXXXXX/XX/year>, XXXX XXXX  XX/XX/year>
Consumer complaint received 2023-11-04
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. (GA)

15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft. 
15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681b : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose. 
I have not at any time GIVEN WRITTEN CONSENT to publish late payments, so therefore I can only assume that the credit reporting agency has allegedly stolen my identity. I have enclosed a filed affidavit with the FTC. I want these late payments removed, deleted, or changed to reflect paid as agreed on time, XXXX immediately or pay a {$1000.00} fine per violation. 
XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-09-01
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)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (MI)

Last week I called them because they took a double payment out for the previous month in XXXX so then I asked them let me to control the payments so that doesnt happen again. The lady read me and opt out ACH script and this morning when I logged into my account, the payment still came out.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. I'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.
Consumer complaint received 2023-11-04
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. (GA)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$25.00} XXXX XXXX XXXXXXXX Balance Owed : {$7600.00} XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$330.00} XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.