davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

XX/XX/XXXX I have requested my credit reports from Experian, XXXX and XXXX and after careful review and investigation I have found XXXX negative items and XXXX unauthorized inquries on my credit profile. I have contacted the consumer reporting agencies and disputed and notified them all of unlawfully reporting of unauthorized inquiries on my credit profile of an account that was opened on XX/XX/XXXX. I have not given them any permission to access my credit profile and have no permissible purpose by law to contact third parties with my private or personal information. The offenses amount to Aggravated Identity Theft and Defamation Of Character pursuant to 18 U.S.C. 1028A. They have Knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liabilty.

Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both '' By willfully violating the FCRA, I am willing to settle their civil liabilty damages I have suffered because of their violations for {$3000.00} from ( Experian, XXXX and XXXX ) pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should they fail or refuse to settle the demand, I will seek actual damages which are greater than {$3000.00}
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Notice of Dispute - Inaccurate Personal Information on My Credit File Dear Sir/Madam , I am writing to formally dispute inaccurate personal information that I have identified on my credit report with your agency. My personal information was recently compromised in the massive XXXX XXXX XXXX breach that occurred in the United States, where XXXX XXXX consumers ' information was leaked and sold. Upon reviewing my credit report, I discovered several inaccuracies in the personal information section, including non-mailable addresses and names that do not belong to me. 

Additionally, upon checking the XXXX XXXX XXXX XXXX site, it was determined that my information was indeed leaked and sold. I have attached a screenshot from the site as evidence. 

Below is a list of the inaccurate personal information that I am disputing and requesting to be deleted from 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 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 To support my claim, I have also attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report. 
I am demanding that these inaccurate personal details be deleted from my credit report immediately. I further request that you notify me in writing of the results of your investigation and provide me with an updated copy of my credit report once the corrections have been made. 

Please treat this matter with the utmost urgency and respond within the timeframe required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. Should you require any further information or documentation from me, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX Attachments : FTC Identity Theft Report, Screenshot from XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I'm asking for your assistance in dealing with the incorrect account thats showing up on my credit report. This issue has harmed my reputation, and I urgently need your help to correct it. The inaccurate reporting has caused me significant personal and professional damage. Please remove these false details from my credit record.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

Follow-Up on Complaint XXXX Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Failure to Act by Experian I previously submitted a formal complaint on XX/XX/2024, regarding a debt claim made by XXXX XXXX XXXX concerning an account with XXXX XXXX in the amount of {$270.00}. Despite my requests, XXXX XXXX XXXX has failed to provide sufficient documentation to substantiate the alleged debt. Additionally, Experian has failed to take appropriate action to address and remove this inaccurate information from my credit report within the required legal timeframe. 

As outlined under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block fraudulent or disputed information no later than 4 business days after notification. Your failure to comply with this requirement and provide sufficient evidence constitutes willful noncompliance under 15 U.S. Code 1681n.

Impact of Your Noncompliance : Due to your failure to address this issue, I have suffered damages, including but not limited to : Lower credit score : Leading to credit denials and unfavorable financial terms. 
Emotional distress : Caused by the ongoing presence of inaccurate information. 
Financial harm : Resulting from credit denials or unfavorable terms for loans and credit lines. 

I am requesting : 1. Immediate removal of the inaccurate information from my credit report.

2. If this information is not removed, I will pursue legal action to recover damages, including statutory and punitive damages, as well as attorneys fees.

Furthermore, I invoke Estoppel by Silence, as the failure to respond within the legally required timeframe strengthens my presumption that no valid debt exists. If this matter is not resolved promptly, I will take legal action under 15 U.S. Code 1681n. 

I expect your immediate attention to this matter.
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: EdFinancial Services (MI)

This is my second complaint for the same problem, the first complaint was closed out with an unsatisfactory response. A payment was made to my student loan account through XXXX XXXX ( a payment vendor for XXXX XXXX XXXX ) on XX/XX/2024 in the amount of {$100.00}. EdFinancial never applied this specific payment to my account. I notified EdFinancial on XX/XX/2024 that there is a payment missing from my account, and I have provided the payment transaction details to them several times through the online portal per the steps provided by the EdFinancial customer service representative. This payment is still missing and has not been credited to my account. They have been given the wire transfer details for this payment more than once. I do not have a copy of a canceled check or a bank statement because the payment did not run through my bank account. It was provided by a payment solution company, the payment made by wire transfer, and EdFinancial is refusing to address the information I have provided showing the payment went to their system. They are stealing {$100.00} intended for my account and blowing my attempts to resolve the conflict off.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AR)

I am currently on the SAVE ( Saving on a Valuable Education ) repayment plan for my student loans. I am a XXXX  with the XXXX XXXX XXXX XXXX and am working towards loan forgiveness with the PSLF ( Public Service Loan Forgiveness ) program. Two groups of Republican-led states sued the Biden administration to stop the SAVE plan and now due to litigation, borrowers were forced into an administrative forbearance that is supposed to be 0 % interest and DOES NOT COUNT toward PSLF per XXXX XXXX XXXX. 
However, MOHELA continues to charge me 6.125 % interest and has not corrected this despite my emails with them. 

XXXX XXXX XXXX XXXX has told loan services to not process borrowers ' applications to change to another income-based payment plan that in NOT subject to any litigation ( ie IBR, income based repayment plan ). This is probably a separate compliant I need to make, but where MOHELA is involved is that I have submitted this application so that it is processed ASAP once XXXX XXXX XXXX gives MOHELA the go ahead. However, the MOHELA website does not accurately record that I have uploaded this. In fact, when I submitted the application last week I could see that it was uploaded, and that has now been removed. When I submitted it again, there is no proof of upload. So I have no way of ensuring that they received this. 

In summary, I am complaining that MOHELA is 1 ) charging me interest when my account should have 0 % interest right now and 2 ) their website is not capture my application that I have every right to submit and they need to be held accountable to retain this and track progress with it. 

I will submit a separate complaint about how XXXX XXXX XXXX is handling this.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is a complaint against Capital One XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, for my {$25.00} dispute with XXXX, XXXX XXXX XXXX : XXXX Merchant : XXXX XXXX XXXX, Amount : {$25.00} Date : XX/XX/year> XXXX ending in XXXX XXXX, XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX On XX/XX/year> I filed a written dispute with Capital One for a {$25.00} dispute with XXXX, XXXX for a charge made XX/XX/year>. My XXXX page dispute is attached. 

Capital One denied my dispute, claiming I did not provide the requested information. The Capital One letter of XX/XX/year> is attached. 

Subsequently I found XXXX emails with XXXX that are attached : XXXX email to me Thursday, XX/XX/year> at XXXX XXXX XXXXXXXX, refill amount {$25.00}, Capital One XXXX ending in XXXX. 

XXXX email to me Thursday, XX/XX/year> at XXXX XXXX XXXX, Order Details, {$25.00}, Your funds have been added to your XXXX Cash balance and can be used right away. Capital One XXXX ending in XXXX. 

XXXX email to me Thursday, XX/XX/year> at XXXX XXXX  XXXX XX/XX/year> AT XXXX XXXX, Thanks for riding with XXXX! Standard fare ( XXXX, XXXX XXXX ) {$6.00} My response email to XXXX XXXX Thursday, XX/XX/year> at XXXXXXXX XXXX  XXXX I PAID HIM {$20.00} CASH!!!!!!!!!!!!!!!!! REMOVE THIS CHARGE FROM MY CARD, AND CANCEL MY XXXX ACCOUNT!!!!!!!! 

Proposed Resolution : Approve my {$25.00} dispute with Capital One for the XXXX charge. Otherwise, I plan to file a lawsuit against XXXX  and Capital One, and depose XXXX driver " XXXX '' to find out why he did not give me a receipt for the {$20.00} cash I paid him. As for Capital One, it treats cardholders like dirt. I plan to close my Capital One account as soon as possible. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2024-08-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (WI)

XXXX we received a letter that we would need flood insurance, after speaking with our insurance agent of XXXX  years he stated our projected home is not in flood zone. 
I started contacting Cardinal to update that we moved per FEMA guidelines to stay out of wetlands and or anywhere near this area, I called and spoke with the insurance team at Cardinal Crystal and XXXX. I was told the left hand does see the right hand. 

Multiple calls. texts to Cardinal. I updated XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  that I called many. many times, about this flood insurance issue. as you will see in my attached texts she was able to see and had the paperwork needed that we in fact we not in flood area! 

we had property surveyed 3 times to insure we would be far away per FEMA plus XXXX XXXX from the wetlands we are NO WHERE near this area. 

Due to lack of communication from Cardinal and their insurance they forced flood insurance on a property that does require this type of insurance.
Consumer complaint received 2024-10-09
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: EQUIFAX, INC. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the accuracy of the information reported on my credit report regarding my account with XXXX XXXX XXXX XXXX Specifically, I am challenging the claim that my credit card payment due in XX/XX/XXXX was late. According to your records, the alleged amount in question is a minimum payment of {$930.00}. 

Background and Request for Proof I request that you provide me with detailed internal records and documentation to substantiate your claim that my payment was indeed late. Please note that mere statements or summary reports are not sufficient evidence. I am specifically requesting : Internal Payment Records : Documentation showing the date when the payment was due, the date when it was received, and any relevant transaction details. 
Account Statements : Comprehensive statements for XX/XX/XXXX and the preceding and following months to demonstrate the payment history. 
Communication Records : Any correspondence or notices sent to me regarding the alleged late payment. 
Legal Reference In accordance with XXXX XXXX XXXX XXXX  of Massachusetts, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), which underscores the necessity for concrete evidence in disputes of this nature, I expect a thorough response to this request. 

Potential Financial Impact Please be aware that if this dispute is not resolved satisfactorily and if the false information remains on my credit report, I will consider initiating arbitration. The potential costs to XXXX XXXX XXXX could include : Arbitration Fees : Approximately XXXX XXXXXXXX {$5000.00}, depending on the complexity of the case. 
Legal Fees : Estimated between XXXX XXXXXXXX {$10000.00} for legal representation and related expenses. 
Potential Settlements or Judgments : Any resulting settlement or judgment could include damages for defamation and statutory penalties, potentially amounting to an additional XXXX XXXXXXXX {$20000.00}. 
Reputation Costs : Negative publicity and damage to your company 's reputation could lead to loss of business and customer trust. 
In total, the financial impact could exceed {$30000.00} if the matter is taken to arbitration and results in a settlement or judgment against your organization. 

Conclusion I request that you provide the requested proof within 30 days of this notice. If you are unable to provide sufficient documentation, please update my credit report to reflect accurate information and remove any erroneous late payment entries.
Consumer complaint received 2024-09-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

After reviewing my credit report I discovered accounts I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts I did not authorize or signed a contract for must be removed off my credit report in 4 days. 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent anymore harm to my financial well being.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. XXXX XXXXavens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( Please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX, XXXX XXXX XXXX balance {$1100.00}.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX BANK Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
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. (TX)

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive inquiries and they need to be removed immediately. 

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 XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT.