davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
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. (IN)

I have submitted multiple documents to Experian disputing fraudulent accounts on my credit report, which were opened without my knowledge or consent. Despite this, Experian has failed to remove or block the fraudulent accounts, violating the Fair Credit Reporting Act ( FCRA ) and causing financial and reputational damage as I am unable to use my credit as desired. 

Timeline of Actions : XX/XX/year> : Submitted a packet to Experian, including : -SEC report -Request for GAAP-compliant verification of disputed accounts -Police report documenting the fraud -Proof of identity ( ID, Social Security card, utility bill ) XX/XX/year> : Experian refused to block the fraudulent accounts, citing various reasons such as an error in my request or that I knowingly benefited from the transactions. 

XX/XX/year> : Resubmitted documentation, including a formal FTC Identity Theft Report. 

XX/XX/year> : Experian refused again, claiming the police report was not valid proof, despite it including the officers name, badge number, and incident number. 
Details of Experians Violations : Failure to Comply with FCRA : Experian failed to block or remove the fraudulent accounts after all necessary documents ( police report, FTC report ) were provided. 
No GAAP Verification : Experian didnt request or provide GAAP-compliant verification, relying solely on creditor-furnished information.

Bias & Conflict of Interest : Experian prioritized creditor relationships over consumer rights, violating due process.

Documents Sent to Experian : -Police Report ( Incident # XXXX ) -FTC Identity Theft Report -Proof of Identity and Address ( ID, Social Security card, utility bill ) -Consumer Statement ( inquiries, addresses, accounts )
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-10
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. (AL)

I am writing to formally express my concern regarding the unresolved inaccuracies in my credit report. Despite multiple attempts to dispute the erroneous accounts, I have not received a satisfactory resolution or corrective action. These inaccuracies are negatively impacting my credit file and causing significant financial hardship. 

I kindly request that you conduct a thorough investigation into the reporting of the disputed accounts and take the necessary steps to correct and update my credit report. It is essential that these errors are rectified promptly to prevent further harm to my financial well-being. 

I urge you to address this matter with the utmost urgency and provide me with confirmation of the corrective actions taken. Your prompt attention and assistance in resolving this issue would be greatly appreciated. 

Thank you for your understanding and support.
Consumer complaint received 2017-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MN)

I applied for a parent plus loan to help my daughter who was going to college at   XXXX   XXXX   XXXX   in   XXXX   XXXX  , SD. I have had student loans myself so the paperwork and application process was not new to me. I also work in the financial industry and actually processed student loans as part of my banker/manager position. My daughter went to school the  XXXX  of  XXXX . She chose to take a break from school in  XXXX  of  XXXX . I contacted Navient to discuss options for the repayment plan for the loan. We were denied deferment or forbearance and was charged capitalized interest right away on  XX/XX/XXXX  for {$1000.00}. Payments began the following month on  XX/XX/XXXX and each month thereafter. So I 'm paying the capitalized interest of over {$1000.00} and also interest compounded on top of that. Something is wrong here! I am attaching the history of our payments, breakdown of interest, capitalized interest and what has been applied to principal. Please let us know if this is legal.
Thank you.
Consumer complaint received 2017-07-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Acquisition Group, LLC (NY)

ASSET ACQUISITION GROUP , LLC, has created another judgement against me. A case between this collector was back in XX/XX/XXXX  in the Sate of Florida ( case :  XXXX  ) and the case was dismissed. ASSET ACQUISITION GROUP , LLC created a judgement in  XXXX  in New Jersey which I never knew about. Then created a judgement in  XXXX  and lost the case. On  XX/XX/XXXX  ASSET ACQUISITION GROUP , LLC, create a new judgement against me in New York. This is the first judgement by ASSET ACQUISITION GROUP , LLC that I was notified. Since this is the first time ASSET ACQUISITION GROUP , LLC notified me legally in  XX/XX/XXXX  that is when the collector has tried to collect on an old auto debt passed the Statue of Limitations. This is a new judgement against me  XX/XX/XXXX and this debt is from  XXXX .
Due to Lack of Privity I have no relationship between ASSET ACQUISITION GROUP , LLC and never signed a contract or agreement with ASSET ACQUISITION GROUP , LLC.
This judgement is a Failure Of Consideration due to the fact that I have never entered into any contractual or debtor/creditor arrangements with ASSET ACQUISITION GROUP , LLC.
ASSET ACQUISITION GROUP , LLC state hat my credit application had   XXXX   XXXX   XXXX   XXXX  ,  XXXX , New Jersey  XXXX  however I had never lived there. Also ASSET ACQUISITION GROUP , LLC states that they served me at that same address in   XXXX   however I have never lived there. The Plaintiff has no proof of that address and my social security number associated with that address.There are several   XXXX   XXXX   XXXX   within the state of New Jersey.
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (NY)

Got Chase Slate card and submitted balance transfer requestXX/XX/XXXX in the amount of {$13000.00}, money deducted from my account XX/XX/XXXX. I then called and confirmed it was successfully processed and they mailed out a check on XX/XX/XXXX.
2 weeks later, no check was received. I was concerned and i called again, they told me it takes anywhere from 14 to 21 business days. There 's nothing they could do. I had to wait. Then another week gone by, still nothing. I call again, same answer, i had to wait ... meanwhile my statement came out already and due onXX/XX/XXXX.
XX/XX/XXXX, finally 21 business days from time of request passed, i called them again. They told me the time frame started from time check was cut, which was XX/XX/XXXX. So wait till XX/XX/XXXX and see what happened.
Back and forth, no answer as to what happened. Then yesterday a manager i spoke to told me XXXX XXXX  rejected the payment and refunded my account electronically. The question is how would XXXX XXXX refund maker electronically when payment was never posted to the account? They have no records of such payment or transaction. The original payment was a paper check going to a local branch in XXXX with teller service. The branch does not have a way of electronically rejecting the payment. If they were to reject it or do n't know what to do with the check, they will mail the original check back to the sender.
Everything they told me contradict each other. One rep told me they are waiting for the check to be returned and another one told me it was electronically rejected or refunded by XXXX XXXX Very suspicious and they are definitely trying to hide something. They claimed the balance transfer is from credit card to credit card only, but their disclosures dont stay that. They try to use that against me and refuse to give me the money.
They did not credit me back until XX/XX/XXXX and i only saw that yesterday. But they adjusted the transaction date back to XX/XX/XXXX.
I suffer huge financial loss and emotional stress bec of this. I am awaiting for them to send me proof of everything.
Consumer complaint received 2024-09-28
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: EQUIFAX, INC. (PA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-27
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. (NV)

Complaint to the CFPB Regarding Inaccurate Credit Reporting by Credit Reporting Agencies Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Credit Reporting Agencies for Reporting Inaccurate Information in Violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) Complaint Details : I am filing this complaint regarding the Credit Reporting Agencies ( CRAs ) failure to uphold the Fair Credit Reporting Act ( FCRA ) obligations and failure to ensure the accuracy of my credit reports. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) review and address these inaccuracies with the CRAs. 

On XX/XX/year> I sent a formal dispute to the CRAs, disputing the inaccurate information being reported on my credit report for the following accounts : 1. Account Name : XXXX 2. Account Name : XXXX XXXX required under 15 U.S.C. 1681e ( b ), all information provided on my credit report must be entirely accurate and verifiable. Additionally, under 15 U.S.C. 1681i ( 5 ), the CRAs are mandated to reinvestigate disputed information and correct or delete any inaccuracies found within a reasonable timeframe. However, despite my formal dispute, the CRAs are still inaccurately reporting these accounts, which continues to damage my creditworthiness. 

Specific Issues with the Reported Accounts : XXXX Account : This debt has never been validated by XXXX, and despite my dispute, the CRAs continue to report inaccurate information. My dispute indicated that, by law, if XXXX fails to validate the debt, the account must be corrected to reflect a paid in full status or removed from my report entirely. 
XXXX Account : Similar inaccuracies persist on this account, despite my dispute and notification to the CRAs. The CRAs have failed to ensure the information is updated accurately or removed. 

By continuing to report inaccurate information despite my dispute, the CRAs are not only violating 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), but they are also failing in their duty to reinvestigate and resolve disputes fairly and promptly.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX provided by XXXXXXXX XXXX Is participating in damaging practices that are at the very least immoral and likely illegal. This account had fallen past due, however it was paid in full multiple weeks ago. They continue to report this account as past due even though they acknowledge that there is a XXXX balance. Because of the continued past due status they also reduced the credit line by over 90 % ( From XXXX $ to XXXX $ ) further negatively impacting my credit since I now have a lower amount of total credit. They out of country call center they report to asked for far too much personal data to verify the account every time I call as well ( they want full name, address, account number, date of birth, social security number, phone number, and email address ).
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Starting with XXXX XXXX. We lost XXXX last month over and over. Current FA, a fiduciary, has been more driven to other clients. She's been told by us. 'there 's a problem '. Not sure she knows of them. We are short almost to the XXXX the of our house. Pardon, but this realazation jusu hit me right in my head. A throughout investigation of original accounts through XXXX XXXX XXXX XXXX XXXX should be completed. All funds should be returned to our accounts. All fees, fines, taxes, 'Fiduciary ' fees ( managerial fees ) taken should be returned to us. For as much as disappeared, a multiple should be returned. XXXX XXXX XXXX XXXX never put us in I-bonds, fixed-income, or cds. We have never been told what she would invest in, tax harvesting, and nothing but losers. 

We have an outstanding set of lawyers and planners. As, part their services the were keeping transaction and balance as a 'form of 'checks/balances '. They did a superior job until XXXX XXXX XXXX XXXX transactions.
Consumer complaint received 2024-10-27
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)

This account was opened on XX/XX/XXXX, was charged off and closed on XX/XX/XXXX. The account is NOT in COLLECTION. By the result of your last investigation Experian verified that XXXX continued to make Collection on this account after the Charge Off. The date of last payment being XX/XX/XXXX. I request to see the Legal authorization by which XXXX serves as a Collector. I also request to see the Legal authorization of XXXX to engage in Double-dipping. This illegal and unethical practice has violated my consumer rights.
Consumer complaint received 2024-10-27
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)

Despite this account being closed, it is still appearing on my credit report and is negatively impacting my credit score. As a responsible consumer, I regularly monitor my credit report and strive to maintain a positive credit history. The presence of this closed account does not accurately reflect my current financial standing. I kindly request that you investigate this matter and remove the closed account from my credit report at your earliest convenience. According to the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be included in a consumers credit report. Since this account is closed and has been properly settled, its continued presence is misleading. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-27
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. (PA)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, no later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
Fradulent Accounts- XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX XXXX Acct # XXXX Fraudlent Inquiries - XXXX XXXX XXXX XXXX XXXX this/these accounts unless you want to be held accountable for {$1000.00} per account
Consumer complaint received 2024-10-27
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. (FL)

Identity theft. And was put on my credit. The debt is not mine or do I have knowledge of the debt. The company also took money out of my bank account without authorization and I had to have the bank stop payment from this entity. I have disputed it off my credit multiple times telling them it was identity theft and refused to do it. They recently taken it off 2 credit reports but am worried they will keep putting it back on my credit. I still have it on XXXX XXXX XXXX XXXX. And they will not remove it. This is not my debt or have I ever applied for anything.
Consumer complaint received 2024-10-27
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)

I am writing to inform you that I am a victim of identity theft and am disputing the following information appearing on my credit report/account statement, which I did not authorize. 
These transactions were made without my knowledge or consent, and I did not open any accounts associated with this information. 
Please immediately block this fraudulent activity on my credit report and investigate the matter further. 
I request that you remove all fraudulent information from my credit report and notify all creditors of this identity theft incident.
Consumer complaint received 2017-07-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Security National Automotive Acceptance (NC)

I 've been with my financing company for almost 2 years now, and never really missed a payment. For 7-8 consecutive months in   XXXX    my payments were being withdrawn on time by this company without any problems. One month (  XX/XX/XXXX ) the payment decided not to come out and the company took it as a missed payment. I rarely check my account on bill day due to my knowledge of not having any money left. So for the next couple of month the payments continued to come out as if nothing happened. I never received a call or letter in regards to that one month that was missed due to not being taken out, which was also proven on my bank statements that the funds were available. So after a month or two went by and payments being made in those months ( XX/XX/XXXX  and   XXXX   & XX/XX/XXXX  ). I woke up one morning in the month of  XX/XX/XXXX  and my vehicle was gone. After getting in contact with the police department, I was told my vehicle was repossessed. I contacted the Finance company and was not given any cooperation with the situation on the matter. I was told I would have max of a week to pay the towing fee and 3 months worth of car payments totaling to {$1200.00} or my command will be contacted and car would be sold. After being threatened and hassled I received a loan to pay off debt to get car back which took 3-4 days. Then following this problem, for the months of  XXXX ,  XXXX  and XX/XX/XXXX  I was doubled charged a month of car payments of {$450.00}. After contacting the company they did not comply again, giving false payment information stating that I owed that months payment even though I was already charged for it. They then began to threaten to call my Commanding officer again if debt was not paid by a certain date. I was being hassled and repeatedly called every second by this company for months. I had to get a new phone number to resolve this issue.
Consumer complaint received 2024-10-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

I recently review a copy of my credit/consumer report. I noticed fraudulent account on my report. 

Please remove account from my report they're hurting my agility to obtain credit. 

I'm a victim of multiple data breaches that has result in my information being used without my knowledge. 

I ask for a re-investigation of this item. 

Also, sources the company used to collect this false inaccurate information. 

Under the fair credit act - 15 USC 1681i, 15 USC 1681i5, 15 USC 1681eb, 15 USC 1681 ( 602A ), 15 USC 1681c ( a ) ( 5 ) Please remove/delete this item with all reporting agencies.

If the items are not deleted/removed.

I will submitted a request to the " XXXX XXXX XXXX  '' and Federal Trade Commission ''.
Consumer complaint received 2017-07-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY (WA)

Traded a vehicle in for the down payment after closing the deal for a used truck, I was asked to return to the dealer to discuss your financing and it was not disclosed to you that the deal was not yet final. I was told the terms of the loan has changed. The company 's name is XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX. Amount to be financed {$12000.00} at an APR of 14.99 % for 48 monthly payments of {$340.00} trade in of {$2500.00}. I was called and was told that the new terms are going to me 36 months with a payment of over {$400.00}. During the test drive I asked if I could take it on the highway to see how it drives and I was denied that option, I wanted and independent company to do an inspection on the truck I was also denied that. After I took possession of the truck I checked the fluids and noticed that the truck did n't have oil. I took it to my local XXXX and they confirmed that it was empty plus a few other issues with the truck. The maintenance office of XXXX XXXX did call me to set up an appointment, I let him know about the oil issue and offered a free oil change to make it right.