davidheineman/consumer-finance-complaints-large huggingface dataset:
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: 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 2024-09-24
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)

Experian has repeatedly violated my FCRA consumer rights on various levels. This company has refused to validate a fraudulent account. XXXX XXXX was opened fraudulent without my consent or acknowledgement. Experian has this account reporting under an address I never resided at. I recently went in a XXXX XXXX XXXX to get copies of this loan in my name and noticed the address Experian is claiming to verify is not the address associated with the loan. This also shows this was fraudulent the address on the loan is a address I never resided at and the address that's currently reporting on is a po box I never resided at as well. Ive repeatedly ask Experian to verify this debt. Experian has constantly lied and failed to do there due diligence. Due to Experian negligence this has cause serious hardship and defamation of character. Attached are copies of police report, FTC report, loan from XXXXXXXX XXXX, also a letter showing this debt was sold! Experian has failed me a consumer.
Consumer complaint received 2024-09-24
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)

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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-09-24
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)

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Experian Willful Non Compliance Experian is willfully non complying to the FCRA. Experian is reporting debt that has been canceled. I have proof of the 1099c attached. 
XXXX XXXX submitted XXXX XXXX for account XXXX and XXXX to the IRS on XX/XX/XXXX and supplied a copy to me. Experian is committing willful negligence by reporting a debt that no longer exists. According to the IRS a 1099c is a notice to the IRS that the financial institution has forgiven or canceled a debt of {$600.00} or more.

Once a debt has been written off and a 1099c has been issued, the debt can't be collected.

Errors on your credit report must be corrected by the credit reporting agencies according to the Fair Credit Reporting Act.

I have supplied Experian with a copy of the 1099C and any other relevant information with a request to correct my credit report. Inaccurate, incomplete or unverifiable information must be removed or corrected. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-24
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. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-24
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)

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I received e-mail from XXXX, about my SS # being on the Dark Web. The suggested I go to the three Credit Bureaus and 1. ) Freeze my Credit 2. ) Do a Fraud Alert. The problem here is with Experian. With my current Cell phone number XXXX, I was able to accomplish this, and I got the report which is attached herewith. When I tried log back in on Experian, their System doesn't recognize my Login ID, or Password!!! Oh... So.. I tried resetting my Login ID, but their System >>>DOES NOT RECOGNIZE MY DATE OF BIRTH OR SOCIAL SECURITY NUMBER!!! OK.. LETS TRY RESETTING MY PASSWORD, WITH MY LOGIN ID, AS MY E-MAIL ADDRESS XXXX. PROBLEM IS THEIR SYSTEM DOES NOT RECOGNIZE MY CELL PHONE NUMBER, XXXX THAT I SET UP MY ACCOUNT WITH!!! BUT, LOOKING AT MY CREDIT FREEZE REPORT, THAT PHONE NUMBER ISN'T SHOWN!!! CALLING EXPERIAN IS FEUDAL, NO ONE ANSWERS THE PHONE, RESPONDS, NOTHING!! OH ... SO I SENT E-MAIL TO THE CEO XXXX XXXX, NO RESPONSE FROM HIM! OR E-SUPPORT!! I AM LOCKED OUT OF MY ACCOUNT, CAN'T RESENT LOGIN ID, OR PASSWORD AND NOBODY AT EXPERIAN RESPONDS, OR WILL HELP ME!!
Consumer complaint received 2024-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

I called XXXX XXXX and was told I cant get my payments lowered because my account is less than XXXX payments less so I cant refinance for a more affordable monthly payment. I then tried to get an extension and was told by an agent as long as I make a XXXX time {$740.00} payment to get my account out of XXXX days past due, then I am eligible for an extension. In the extension I was told I wouldnt have to make a payment until XX/XX/year>. The company did not honor this agreement and after many escalations they are now claiming my next payment will be due XXXX XXXX. This is a violation of the original agreement. The company refuses to replay the original call from XXXX XXXX. And everytime I ask for a call study or the issue to be escalated, no agent can find any information on the matter and then the issue gets escalated AGAIN, and AGAIN I am being told to call back in two business day, and then the cycle repeats itself again. I have been calling all month to get the issue resolved but have been getting the run around. They are trying to have me wait it out until so I either comply or forget about it. If they listen to the call from XXXX XXXX where the agent first offered the extension terms everything would be cleared up. Ally is practicing in predatory lending. 
Any time I call for an update on my escalation/ case they put in a new request since the initiation escalation shows NO SIGNS of being actively investigated. When I ask for an answer instead of listening to the lies from each individual agent, they cut me off get annoyed and hang up and STILL REFUSE the call study of the original call dated XXXX XXXX which explains the entire situation and misinformation that has caused this issue. Now I have another payment due in a week ( XX/XX/year> ) which is not the agreed upon date. Nothing was read to me to confirm the extension terms and next date of payment or the amount. They just changed my account without my consent which is falsifying documents and making changes to my loan without my agreement. 
They can honor the dates we originally discussed, do a call study to support the claims I have made against this company, and stop allowing its overseas agents to hang up on their customers. I have recorded EVERY CALL since XXXX XXXX. Either this call be resolved civilly or I will have to take legal action and pursue a class action lawsuit which during my investigation via petitions and social media I have found that I actually have XXXX of thousands of people in the same predicament as me with Ally. I have a large presence on social media, and I have XXXX trial lawyers whom I have been speaking with in regards to this matter who feel I have a strong case against ally given their recent class action lawsuit filing for a massive data breach and cyber security failings. They constantly fail their consumers with no notice or apology. I will seek legal action.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$8800.00} XX/XX/XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXXXXXX XXXX XXXX {$720.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$310.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-24
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)

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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PNC Bank N.A. (FL)

While I sought relief under Chapter XXXX Bankruptcy filed in XX/XX/2016 and Discharged in XXXX. The obligation with PNC survives the discharge and since they reported prior to the BAnkruptcy, Bankruptcy code says they must report after the discharge since I am liable and paying this obligation. Mortgagees are treated differently and as secured loans iunder Chapter XXXX and continued to be paid outside the repayment plan. 

Mortgages arent discharged In Chapter XXXX, your liability on your mortgage is an exception to the discharge. 

The mortgage loan is not discharged as a personal obligation. 

And therefore, there is no legal bar to the servicer reporting your payments, and every danger should they not report. 

Heres the part of the Bankruptcy Code that excludes long term debt like your mortgage. 

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due ; So, among the debts excepted from the Chapter XXXX discharge is a secured claim with a payment schedule that extends beyond the life of the Chapter XXXX plan. 

Servicers obligation to report Put simply, if a creditor reported to credit reporting agencies before the bankruptcy was filed, then there is an obligation to report after the bankruptcy.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The following companies are recklessly failing to follow reasonable procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been asking for following account to be remove my credit do to false reporting and also the have not provided me with the model notice XXXX or XXXX form the creditors, this is required by the FCRA 623 ( a ) ( 7 ).

This is not a verification request, please remove these accounts. This is the third and final request.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX), you may be liable for your willful non-compliance.
Consumer complaint received 2023-10-03
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: Upstart Holdings, Inc. (CA)

I opened a {$6400.00} loan with Upstart in XX/XX/XXXX. All monthly payments ( {$190.00} ) were timely for the life of the loan. In XX/XX/XXXX, I sent a check for a payoff that their site gave me. They posted it on XX/XX/XXXX. I found out months later that I owed {$28.00} and they reported me., I have not received any emailed statements or mailed statements from Upstart. After I found out about this extra amount owed, Upstart stated that they added my monthly payment separately from the payoff! This is deceitful- a payoff should include any payment and interest so it is then closed. They said they emailed me and called me about the {$28.00}, however, according to what their site gave me in reference to a payoff, I paid off the loan!! I did not take any phone calls from unknown numbers and there NO voicemails left for me otherwise I would have played them. They did send emails but they also sent MULTIPLE marketing emails for new business, i mean multiple, which I Ignored. I did see some payment reminder emails which I got every month. However it did not say I owed {$28.00}, it said I owed {$190.00} for my regular payment. I did not! I assumed my loan was paid off. These emails were automatic so this is very deceiving to me. They even included the current date for the {$190.00} after I paid the loan off and again this is wrong. Once I finally received a collection letter in the mail, I was furious! My credit it now ruined for {$28.00}! I contacted them many times and they said by law they have to report anything late. Ok so they did. They also have the right to take that negative mark off of my report if they choose to. They did not. They absolutely refused to help a good client. I am in the finance industry and we try to assist good customers because sometimes things dont always go as planned. My point is, regardless of their said phone calls and emails- would I really purposely destroy my credit for {$28.00}??? No! I had an perfect record with them paying {$190.00} monthly and its disgusting that they will not consider that. For {$28.00}?? Thats pocket money. I did not do this willfully. Why would I? I think a good business could sometimes forgo the red tape and assist a good client. I also dont appreciate the deceptive payment emails, lack of statements and lack of voicemails. I am requesting that Upstart will remove this derogatory mark off of my credit report.
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC (FL)

XX/XX/year> I filed the companies paperwork to remove Escrow from my loan as I pay my taxes directly as well as my insurance. Loandepot had paid an insurance company that I did not sign up with. Loandepot refused to review the paperwork saying the account was overdrawn ( due to their error ). I had already paid the overdrawn amount, but they had not processed it yet. They then took 7 months and repeated calls to process paperwork, at which time they claimed it was too late. After this LoanDepot then claimed to have paid my insurance to my correct carrier. This is interesting as I had already paid my insurance ( I don't escrow ). When I asked for proof of this payment or even an invoice, Loandepot said they had none and that they would not provide any if they did. They did however add over {$6000.00} to my account, again with no proof. Now they claim my account is delinquent for money they are not supposed to be collecting.