davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-10
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-08-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

This company is reporting three collections on my credit report that continue to increase causing extreme harm to my credit. I am not sure where these balances come from and need them removed asap. This needs to be investigated because it may be happening to even more consumers.
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (NJ)

am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I have previously disputed the validity of this debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). However, I have not received satisfactory documentation that substantiates the existence and accurate nature of this debt. 
As a consumer, it is my right to request and receive proper validation of any alleged debt. I am fully aware of my rights under the FDCPA and FCRA, which include the right to request verification and validation of the debt, as well as the right to dispute any inaccuracies or inconsistencies found in the information reported to the credit bureaus. 
In light of the aforementioned, I kindly request that you provide me with the following information to validate the debt
Consumer complaint received 2024-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

Mohela incorrectly capitalized the accrued interest from my loans into the principal balance of the loans. My accrued interest as of XX/XX/XXXX was {$4900.00}. On XX/XX/XXXX Mohela sent me a statement which showed my accrued interest had been changed to {$470.00}. The previous amount of accrued interest was shown to have been added into the principal balance on the loans. I called Mohela about this on XX/XX/XXXX. Neither the service representative nor the supervisor were able to confirm the interest had been capitalized nor were they able to revert the accrued interest. Mohela never sent me any correspondence stating that changes were being made to my account or that they had capitalized interest. 

Mohela is also over-charging interest on my loan. The " interest rate reduction '' of .25 % that I am entitled to receive for being enrolled in autopay has been suspended on my account. I have since been required to make a payment on the loan at the higher interest rate. This payment was made through auto debit. I called Mohela on XX/XX/XXXX to have the rate reduction reinstated. As of XX/XX/XXXX the reduction continues to be listed as suspended. 

Mohela is charging me a higher payment than I am required to pay. Mohela required me to recertify my income for my income based repayment plan in XXXX of this year which increased my payment from {$110.00} to {$330.00}. On XX/XX/XXXX, the Department of Education released guidance stating that the deadline for income recertification was extended to XXXX of XXXX and that anyone who had been required to recertify prior to the announcement would have their payment reverted to the amount prior to recertification if the amount had increased. I have called Mohela several times since XXXX requesting that the payment is reverted per Department of Education guidelines. I am told that they will revert my payment within 10-15 business days but Mohela continues to bill me for the incorrect amount.
Consumer complaint received 2019-07-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  XXXX -  partial account number XXXX.  (Please see pages 8 and 9 of the attached credit report.)  I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account.  This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my credit report.  I have contacted the two bureaus to fix this issue but I have not been successful.  This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2024-06-11
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)

I am XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate.

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate.

As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. Thank you!
Consumer complaint received 2024-06-11
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. (MI)

XXXX XXXX XXXX ( XXXX ) Balance {$8000.00} Opened XX/XX/year> Ive spoken with XXXX quite a few times on this manner and given the run around. I informed them that this account and/or loan was opened fraudulently in my name. I have filed a police report on this manner as well.
Consumer complaint received 2024-06-10
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)

XX/XX/year> I Disputed The XXXX  account reporting on my credit report to credit agency 's as ID theft. Credit Bureaus validated this account is not mine and removed it from my credit report. 
XX/XX/year> XXXX - XX/XX/year> XXXX Account was removed from all credit reports. 

XX/XX/year> XXXX account was readded again on my credit report as a charged off credit card. Without a written notice from any credit Bureau that it was being added back. 

Disputed with XXXX stated that the charge off account is not mine never received response.
Consumer complaint received 2024-08-04
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: World Acceptance Corporation (AL)

I found where world finance has put a hard inquiry on my credit report. I didn't give them permission to check my credit. I wasn't applying for them a loan and they had no right to put an unnecessary credit inquiry on my credit report which will cause my credit score to go down.
Consumer complaint received 2024-08-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

To Whom It May Concern, I am writing to formally address a matter of significant concern regarding my account, which has been compromised due to identity theft. This incident has not only caused considerable inconvenience but has also impacted my personal and financial well-being. 

In XXXX of this year, I became aware that my account had been accessed and used without my authorization. It was evident that my personal information had been unlawfully obtained and misused. The unauthorized transactions and changes made to my account are not only distressing but have also resulted in financial discrepancies that I am currently working to resolve. 

Upon discovering this breach, I took immediate steps to mitigate the damage. I reported the incident to the relevant authorities, including [ insert specific authorities, such as your bank, credit bureau, or law enforcement ]. Additionally, I have initiated a fraud alert and am actively monitoring my credit reports to ensure no further unauthorized activity occurs. 

This situation has been challenging, as it has disrupted my financial stability and caused emotional stress. I am committed to working closely with your team to resolve any issues stemming from this breach. I am providing all necessary documentation and cooperating fully to ensure that this matter is addressed efficiently. 

I kindly request your support and understanding during this time. I am confident that with your assistance, we can rectify the situation and restore the integrity of my account. Thank you for your attention to this matter.
Consumer complaint received 2024-06-10
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Modoc Tribe Financial Services Authority (OR)

I took out a loan for {$800.00} on XX/XX/year>. I made 4 timely payments that totaled {$690.00}. On XXXX I was informed I still owe {$790.00}! I still owed almost the full amount of the loan after nearly paying {$700.00} in just 3 months. This feels like a predatory loan in which there is no way to get out of as the balance never lowers.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 into my account 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. 


XXXX XXXX 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 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

I opened an account with Citi Bank a few months ago I tried to transfer money into my XXXX account that was attached to it. 
It came up that they closed my account without me knowing or any kind of paperwork coming my way they said there was fraud on my account, and said they will mail my money back to me 30 to 60 days.

Im being informed that this is happening to a lot of people and Im very concerned that this is going to, make my perfect credit score go down!

I need my money before 30 to 60 days. I never took any money out. I just put money in. Ive have {$30000.00} in that account and Im very worried that something is wrong.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-06-10
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. (IN)

Fraudulent inquiry from XXXX XXXX XXXX, XX/XX/XXXX & XX/XX/XXXX I was a victim of identity theft someone got a student loan in my name. Its showing on my XXXX. Ive contacted all the credit bureau plus XXXX XXXX. They have not given me any proof or removed it .Can someone handle this matter in a timely manner, Im actually trying to purchase a mortgage. Im also filing a complaint on XXXX XXXX, XX/XX/XXXX a late payment was placed on my account due to their system error, my balance was paid in full, but the credit companies need to update their systems. I am a victim of identity theft XXXX and XXXX during XXXX  Also, my cards were hacked. I had to pay money back
Consumer complaint received 2024-06-10
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)

" 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX "
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

My account with XXXX XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX, XXXX XXXX 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 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 in those accounts 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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