davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
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. (DE)

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  Last Verified is not correct, Date of last activity/reoirted XXXX date opened, payment status is not reflected correctly along with past due amount, XXXX XXXX XXXX, high balance is incorrect, closed date, last payment date, credit limit XXXX XXXX XXXX XXXX Last activity, date reported and account type XXXX XXXX XXXX High balance incorrect, Date opened incorrect, payment status, last payment incorrect XXXX DOFED XXXX Last verified, Date reported, date opened last payment ( listed several times on my report incorrectly XXXX XXXX ( TWO DIFFERENT ACCOUNTS ) XXXX & XXXX XXXX, Account rating, last verified, XXXX XXXX XXXX last verified, Date opened Account raiting, closed date incorrect XXXX XXXX XXXX Last verified, Activity, Date Reported, creditor type is incorrect I looked at my Experian credit report on XX/XX/2021, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible e accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that it me of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed not to 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 2024-09-18
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. (MA)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, IT'S HURTING MY ABILITY TO OBTAIN CREDIT. 

PLEASE REMOVE THIS FRAUDULENT ACCOUNT, THANKS
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

It was disheartening to discover unauthorized inquiries on my credit report tonight, and Im at a loss as to why theyre there. My routine credit check revealed these discrepancies out of the blue. Refreshing my browser didnt resolve the issue, as the unauthorized inquiries persisted. Im really concerned and request that the documents Ive provided be carefully examined so I can finally stop worrying about this.
Consumer complaint received 2024-09-18
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 am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-10-31
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (CA)

I received an unexpected and unwanted Netspend debit XXXX  card in the mail that I did not apply for that is linked to an account at XXXXXXXX XXXX XXXXXXXX. at which I do not have and do not wish to have an account. This apparently resulted from a data breach at the XXXX XXXX XXXX a year or tow ago. We were told to report this to CFPB before contacting the company, who has proven to be much less than helpful for other people in a similar situation.
Consumer complaint received 2024-09-18
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. (CA)

I received the letter with my dispute results from your Agency and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy
Consumer complaint received 2024-10-31
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (CA)

I received an unexpected and unwanted CashApp debit visa card in the mail that I did not apply for. The apparently resulted from a data breach at the XXXX XXXX XXXX  and we were told to report this to CFPB before contacting the company, who has proven to be much less than helpful for other people in a similar situation.
Consumer complaint received 2023-07-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XXXX I sent out vital information asking for verification of an alleged debt that Capital One claims was owed they have failed to send the verification as outlined in GAAP. Capital One has failed to send my title after failing to provide verification of the alleged debt. I do not owe Capital One anything, they have failed to provide their burden of proof that a loan was made. GAAP will show and prove that there is no alleged debt owed and that I am entitled to my title lien free. After receiving the response from Capital One stating that they will not continue to respond to my request is considered acquiescence and their silence to provide the information that has my personal identifying information is a violation of my consumer rights. Attached is my full response, I am making this complaint because Capital On has violated multiple consumer-protected rights and has failed to provide me with my title and remedies outlined in my first communication to them. This complaint serves as a notice of default as well and I will seek lawful remedies.
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (CO)

I was charged a late fee by Chase on a balance that was due on a Sunday. My bank was unable to process the payment electronically until first thing Monday. They have refused to acknowledge that was in violation of the Credit Card Act of 2009. Have the companies such as Chase found a way around this act?
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AL)

I applied for the XXXX XXXX XXXX American Express XXXX on XX/XX/year>. When I applied, the Welcome Bonus I signed up for stated that I would be awarded XXXX bonus miles when spending {$2000.00} within XXXX months, and would be awarded a {$500.00} flight statement credit when purchasing a XXXX flight within the first XXXX months. After receiving the card, I purchased a XXXX flight on the card worth {$1000.00} USD within the next hour. 

On XX/XX/year> I called and spoke with XXXX because I was seeing no proof of my welcome bonus on any of my account. He confirmed that I did have the welcome bonus, but would see the miles after XXXX weeks and the statement around the same time from XXXX. He recommended I call back to XXXX and Amex sometime after XX/XX/XXXX if nothing appears on the account at that time. 

On XX/XX/year> I called XXXX and was told that it would have to be handled on Amex 's side. I called Amex and spoke with a woman and she told me that she could not see any offers on my account, but would escalate it to see if my offer was pending, and that I would hear back within XXXX days. I did not hear back, but did receive the XXXX miles within the day. I called again on XX/XX/year> and asked about the status of the issue. I was told that the {$500.00} flight credit was still now showing on my account, and was being escalated ( again ) and would need to wait another XXXX days before hearing back from the escalation team. Again, I did not hear back from the team. 

I called on XX/XX/year> and requested an update on the issue, as I had not heard back from anyone and my next payment is due XX/XX/XXXX. I was told that the offer was not on my account, and apparently the escalation team determined that only the XXXX miles offer was on my account, but not the credit statement, even though previously XXXX confirmed I did have it. I asked to please speak to a manager or someone on the escalation team. The customer service rep stated that he filed a request for a complaint call, but would not re-escalate the issue. I was told that I would hear back within XXXX days. 

I have never received any of the promised contact back from Amex, though having requested it multiple times. I have been told that the welcome bonus both is and isn't on my account, and that " daily fluctuating offers '' made it challenging for them to confirm the offer I was given. I have gone through my snapshots and cache on my computer and found screenshot proof of the offer I had been given, as well as even going to the website with a new IP address and being offered an even better deal than before ( XXXX miles and a {$500.00} credit ).
Consumer complaint received 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AR)

I was solicited by MOHELA to convert from a low interest student loan ( that I was happy with ) to a direct loan and apply for temporary PSLF waiver as I had completed over 10 years full-time employment at a 501 ( c ) 3 nonprofit employer. 

I went through the necessary actions to verify my qualifications for this and if this was done before XX/XX/2022 I would have my loans forgiven through this temporary PSLF waiver. 

However, after appropriately submitting this information in XX/XX/2022 and having employer sign off, MOHELA did not inform me of a processing error on their part despite multiple attempts by phone, emails, and online communication regarding processing timeline. 

They ( MOHELA ) even advised me to switch to a much more financially burdensome IDR repayment plan under the premise that this would expedite my PSLF approval. I would not have signed up for this plan otherwise. 

Now, after once again contacting MOHELA for assistance and re-processing paperwork with new PSLF application, I have received notification that I do not qualify for complete PSLF. 

They ( MOHELA ) have essentially performed a bait and switch from a student loan payment plan and company at a locked-in, low interest rate ( that I was very happy with ) to now paying a higher interest rate and higher monthly repayment from false advertising. MOHELA has been negligently misleading, unprofessional, and with poor customer service for which they should be held to account.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-18
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX I sent a letter to Experian letter to investigate items to be inaccurate or incomplete. Experian responded back with a stall letter on XXXX XXXX saying it was a not me it was from a third party. I have done this from my own home. I am not show why would they send this, I am not a third party as Im trying to fix my own credit and Im trying to get these inquiries remove so that way i can buy a home.
Consumer complaint received 2024-10-30
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. (IA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-30
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. (NC)

I recently reviewed my consumer report and noticed several items that I feel compelled to dispute. This situation has caused me considerable distress, and I believe it warrants a fair and prompt resolution, which has not yet been provided. The accounts in question involve a transaction that clearly falls under the EXCLUSION section of the FCRAs definitions. Additionally, these were reported without my written consent, pointing to potential identity theft, as defined by the Federal Trade Commission. 

I strongly believe these accounts should be deleted, as they are not tied to any transaction I authorized. I did not grant your agency permission to report this information, making this a violation of the permissible purpose section of the FCRA. Consequently, your agency may be liable for damages of at least {$1000.00} under the civil liability section for willful non-compliance. I respectfully request that these items be removed from my consumer report promptly. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Consumer complaint received 2024-10-30
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. (RI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.